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Much to ai to help us make decisions, we will lose our ability to make decisions. >> that's absolutely right. in the short-term, the efficiency we are going to get out of these systems is incredible. for instance, if you're hiring somebody for a job right now, you can use an ai-based system to find a candidate in record time. but what if you want to hire somebody who does not check the boxes that that ai has built to detect? you cannot necessarily go back and change the process, because the whole company is built for a single person to use an automated system,n let's say, just 24 to 48 hours. ...

I'm going to disagree with him with respect. look, there are startups and startups. that op-ped, a very good op-ped in "the new york times" talked about startups like every startup is the same. silicon valley startups are u few in number. there are tens of millions of very small businesses in america. the decline in startups has actually been in the second category, decline of small businesses funded and started. hay get funded in different ways. they get funded through loans. loans, loan making has declined a lot since the obama regulation post the crash of 2008. been a lot of restrictions pu...

>> right. but this isn't -- the other thing i think lisa, that was surprising to me just looking and .5% from government guarantee loans and from federal state and local governments. should we have a different perspective on loan making, government loan making? >> she should and shouldn't. the data that you showed are true for all businesses. all new businesses. that's true. the point where women differ is in the last statistic that you just raised. the problem for start-ups is that women typically have lower credit scores. so this is what we have to address. why do they have -- >> right. >> s...