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Google Research Promotes Equality In Machine Learning, Doesn't Mention Age

An anonymous reader writes: New research from Google Brain examines the problem of 'prejudice by inference' in supervised learning -- the syndrome by which 'fairness through unawareness' can fail; for example, when the information that a loan applicant is female is not included in the data set, but gender can be inferred from other data factors which are included, such as whether the applicant is a single parent. Since 82% of single parents are female, there is a high probability that the applicant is female. The proposed framework shifts the cost of poor predictions to the decision-maker, who is responsible for investing in the accuracy of their prediction systems. Though Google Brain's proposals aim to reduce or eliminate inadvertent prejudice on the basis of race, religion or gender, it is interesting to note that it makes no mention of age prejudice -- currently a subject of some interest to Google.

149 comments

  1. Well... by Anonymous Coward · · Score: 0

    I think that AIs, by definition, cannot have bias. Or rather, they cannot be bigoted or prejudiced. They have entirely fair and generally accurate views of groups. It's like charging 16 year olds more for auto insurance is justified, just on a larger scale.

    1. Re:Well... by Anonymous Coward · · Score: 0

      I think that AIs, by definition, cannot have bias. Or rather, they cannot be bigoted or prejudiced. They have entirely fair and generally accurate views of groups. It's like charging 16 year olds more for auto insurance is justified, just on a larger scale.

      The AI will simply destroy the humans to save them. Problem solved.

    2. Re:Well... by technomom · · Score: 1

      Um, no.

      AIs are largely programmed through something called Machine Learning. Guess where the data comes from that provides the machine learning?

      People. Papers, blog posts, databases, written by people.

      People who have prejudices.

    3. Re:Well... by Anonymous Coward · · Score: 0

      Um, no.

      AIs are largely programmed through something called Machine Learning. Guess where the data comes from that provides the machine learning?

      People. Papers, blog posts, databases, written by people.

      People who have prejudices.

      By definition those things are without bias. You have no idea what you are talking about.

    4. Re:Well... by rubycodez · · Score: 1

      AI of course have bias, they are made by biased humans. What what human considers being neutral another will call being biased. For example, "affirmative action" is unfair and racist, says me.

    5. Re:Well... by tomhath · · Score: 1

      If you use blog posts to train your AI you'll have an Emo Neo-Nazi Communist homophobe.

    6. Re:Well... by shaitand · · Score: 1

      Ummm... no, human prejudices do not change whether or not you failed to pay your loan or pay it on time. In order to be fair we pretend that all groups are equal which may be a faulty assumption, if you force your AI to make the same assumption you ARE introducing a bias.

    7. Re:Well... by ShanghaiBill · · Score: 2

      I think that AIs, by definition, cannot have bias.

      No. There is nothing in the "definition" of AI that prevents bias. AIs will be biased if the training data supports the bias. For instance, if the AI looks at loan default rates, it will conclude that blacks and Hispanics are worse credit risks than whites ... because they are. But discrimination in lending is still illegal even if it is supported by the facts, and even if it is determined indirectly by, say, zipcode, or given name.

    8. Re:Well... by jellomizer · · Score: 1

      Well they actually do. It is not because of hatred, but because the programmers put their biases into the programs, as well correlations not connection to the root causation.

      For example. For age discrimination.

      Say you are trying to find a workforce with the longest retention rate.
      So it looks at the big data. and finds that People with skills in COBOL had a strong correlation to recent job losses. While C# doesn't have any strong correlation.

      So this experienced developer who was working at a job fixing legacy systems who also has been keeping up on his skills on the newer languages. Is tossed in the same group as the guy who who is working in legacy systems and just hoping the company will not move off the mainframe.

      Many of our biases and prejudice are not without evidence. However part of the reality on being fare is realizing some of your prejudice and biases while part of the correlation isn't the causation.

      Having a job working on the mainframe coding in COBOL doesn't mean you don't have skills in newer systems, however many people who do don't

       

      --
      If something is so important that you feel the need to post it on the internet... It probably isn't that important.
    9. Re:Well... by pr0fessor · · Score: 1

      Auto insurance is really cheap for 16yr olds here... you have to be 17 to drive.

    10. Re:Well... by mwvdlee · · Score: 3

      You are highly overexagerating the level of "intelligence" of AI. The data going into a machine learning system is typically in the exact same format as what comes out. If you have a loan application application (sorry, couldn't resist myself) that predicts based on marital status and children, than the only type of data going in is long table with three columns; married (yes or no), children (yes or no) and repaid (yes or no). The AI is not going to get newspaper articles and infer all kinds of possibilities about what a marriage is. The only thing the AI knows about marital status is that status "yes" had different letters in it from status "no". The problem discussed here is that you cannot completely remove the data for "gender", as the combination of the data for "married" and "children" is not universally distributed amongst genders. Essentially, you cannot remove a bias unless all other data is completely independant of the data you want to remove.

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    11. Re:Well... by rainmouse · · Score: 0

      By definition those things are without bias. You have no idea what you are talking about.

      If your algorithm decides that women are less likely to repay loans and thus should be less likely to have one, or that men under the age of 30 should not be granted car insurance. It is not a success, it's a news story waiting to ruin your reputation. Irrespective of what the data says, it is a bias to any outward observer.

    12. Re:Well... by FatdogHaiku · · Score: 0

      I have to agree. Look at how propaganda was used on adult populations by all sides in WW2. The enemy was demonized and portrayed as sub-human, and that continues today in racist, radical religious, and sexist propaganda. Those that would spread hate put a lot of work into the task, expending much more effort than most peaceful people... who tend to just go about being good.

      To assume that programmers don't have bias (e.g. "That old guy is a real dinosaur" and "That person is a diversity hire") conscious or unconscious, is just naive. And there is always the chance someone would deliberately raise (and it is raising like a child) a monster that could see whole groups as sub-human and unworthy of living. AI may someday exceed us in capacity and speed of thought and action, but it will always have our fingerprints on it's core...

      We should probably wash our hands.

      --
      You have the right to remain sentient. If you give up the right to remain sentient, you will be elected to public office
    13. Re:Well... by fahrbot-bot · · Score: 1

      By definition those things are without bias. You have no idea what you are talking about.

      If your algorithm decides that women are less likely to repay loans and thus should be less likely to have one, or that men under the age of 30 should not be granted car insurance. It is not a success, it's a news story waiting to ruin your reputation. Irrespective of what the data says, it is a bias to any outward observer.

      If the algorithm make an initial decision this based on statistics, then it's doing its job correctly -- however, if it's based *solely* on those statistics and fails to account for the specific individual, then it fails. In general, men under 30 have higher rates of car accidents, but not all men do. Generalizations are not absolutes. As K said, "A person is smart. People are dumb, panicky dangerous animals..."

      --
      It must have been something you assimilated. . . .
    14. Re: Well... by Anonymous Coward · · Score: 0

      Hah!

      "Facts lie"

      Your reality is so fucking stupid.

    15. Re:Well... by knightghost · · Score: 1

      It comes down to that factual based AI decisions are clashing with society's lies.

      Also don't confuse micro vs macro. Comparing 1 person to their group is likely the biggest logic fallacy out there.

    16. Re:Well... by knightghost · · Score: 1

      Which is why social research often has between 1500 and 5000 measured variables - which AI is starting to use.

      I think you greatly overestimate the ability of people to come to logical conclusions.

    17. Re:Well... by Bob+the+Super+Hamste · · Score: 0

      Are you telling me that Trump is a MS research project let loose on the electorate?

      --
      Time to offend someone
    18. Re:Well... by alvinrod · · Score: 1

      Any good AI or anyone with a good business sense is going to look at those particular cases and figure out what additional data allows them to discriminate further. If you can learn that while men under 30 typically have higher accidents, but those who, for example, had a 3.75 GPA or higher in college have accident rates that are on par or lower than the average you can offer those individuals a lower rate than competitors which means you're more likely to get their business. The same goes for any other category where there's some discrimination. Figure out how to discriminate even further and you'll have a competitive advantage.

    19. Re:Well... by Kogun · · Score: 1

      The problem, in general, is detecting the discrimination in the first place. The article keeps the explanation on the simplistic (and legally significant) terms by framing the issue as discrimination against "protected classes".

      But the AI problem of 'prejudice by inference' is not limited to the socially negative connotation of prejudice as mentioned in the article. Your AI may be discriminating in unsuspected ways that cost your hypothetical insurance company profit by overcharging a customer category that would be statistically less likely to file a claim. Detecting that sort of discrimination is harder because the demographics won't necessarily fall into the culturally defined categories that humans have created.

    20. Re:Well... by goose-incarnated · · Score: 1

      The problem discussed here is that you cannot completely remove the data for "gender", as the combination of the data for "married" and "children" is not universally distributed amongst genders.

      Actually, the *effect* of that bias *can* be removed by first removing the bias against men in the judicial system. You don't need to create an exception for single mothers if the number of single mothers is roughly the same as the number of single fathers.

      In short, this is only a "problem" in that it is revealing a bias in data-production system (the courts).

      --
      I'm a minority race. Save your vitriol for white people.
    21. Re:Well... by david_thornley · · Score: 1

      AIs do not currently have conscious or emotional biases. It is definitely possible for one to come up with an AI that has suboptimal calculations that wind up performing illegal discrimination, or just favoring one group over another with no basis.

      The traditional definition of AI is the field that covers stuff we really don't know how to do. If we come up with an algorithm and apply it, it's not an AI. If it does its own learning, we're not going to be able to predict what it will come up with.

      --
      "When you have eliminated the unacceptable, whatever is left, however improbable, must be the truthiness" - Holmes
    22. Re:Well... by david_thornley · · Score: 1

      We're not talking about lies here, we're talking about decisions about how to treat people. If the AI decides that women in general are too dangerous to lend to, the no woman will get a loan, no matter how reliable and deserving, and we consider that unacceptable. I don't know what you mean by micro vs. macro, since all an AI can do is apply rough categories and determine the likely characteristics of a group.

      --
      "When you have eliminated the unacceptable, whatever is left, however improbable, must be the truthiness" - Holmes
    23. Re:Well... by david_thornley · · Score: 1

      Ever hear of "overfitting"? If you feed a thousand input variables into an AI, and don't have an immense amount of learning data, the model will have a lot of accidental noise, such as figuring that left-handedmales in their thirties with BAs who earn $40K-$50K and live in owner-occupied houses in urban Alabama are very bad risks for no reason anyone can discern. As a general rule, if there's many more categories than lines of learning data, there's not going to be any constraint on how it evaluates a lot of situations.

      --
      "When you have eliminated the unacceptable, whatever is left, however improbable, must be the truthiness" - Holmes
    24. Re:Well... by david_thornley · · Score: 1

      You're assuming that, in the absence of judicial bias, the children would be awarded equally to father and mother. I see no reason to think this is true. It might be true if society pushed fathers to have as much to do with their kids as mothers, or something like that, but it's entirely possible that it's to the child's interest for the mother to have custody in more or less than half the individual cases.

      --
      "When you have eliminated the unacceptable, whatever is left, however improbable, must be the truthiness" - Holmes
  2. affirmative action by Anonymous Coward · · Score: 0

    Please don't build affirmative action into machine learning. If someone is higher risk for something and we want to be unfair and charge them the same rate as a person with low risk - we can sort that out at a higher layer. Don't mess with the raw data.

    1. Re:affirmative action by jellomizer · · Score: 1

      Coding Affirmative action into a system may actually make it much more fare. As if there is a repute that you were being bias against someone you can show the calculation that that person was indeed not equally or near equally qualified as the hired person.

      If your goal Affirmative action code would may just as simple as a sort by Race
      so where you select top 1 Name from applicants
      group by Name
      having score = max(score)
      order by score, race

      Unlike in Star Trek, computers can rather easily have simple choices to figure out ties.

      --
      If something is so important that you feel the need to post it on the internet... It probably isn't that important.
    2. Re:affirmative action by kosh271 · · Score: 3, Insightful

      I have no problems if the scales are tipped, just so long as they are in my favor.

      If you want to be fair, instead of "order by score, race", you should "order by score, random". Ordering by race is racism plain and simple. Why not sort by shoe size? The answer is simple: shoe size (for most jobs) does not apply when analyzing for job qualifications. Your job qualifications are (mostly) not dependent on the color of your skin (with exceptions such as actors).

      To help those out with a lack of understanding - Racisim(2): racial prejudice or discrimination.

    3. Re:affirmative action by Pinky's+Brain · · Score: 1

      But they aren't ordering by "score, race". They are ordering by "score" and the score is racist (and ableist and sexist).

      The only way for it to be fair in the social justice sense is to order completely by "random".

    4. Re:affirmative action by david_thornley · · Score: 1

      We often can't come up with a score that works. If the score overestimates the likelihood for whites to pay their mortgage and underestimates the likelihood for blacks, then we'll get better overall results by favoring blacks. (Substitute protected group to taste; this is, as mathematicians say, without loss of generality.)

      --
      "When you have eliminated the unacceptable, whatever is left, however improbable, must be the truthiness" - Holmes
  3. ML? by Anonymous Coward · · Score: 0

    "At the heart of our approach is the idea that individuals who qualify for a desirable outcome should have an equal chance of being correctly classified for this outcome."

    Sounds like they need a random number generator, not a machine learning algorithm.

  4. "Promotes equality" by Anonymous Coward · · Score: 0

    "Promotes equality" being a euphemism for "deliberately stupefy". Another example of Tay's Law.

    1. Re:"Promotes equality" by rubycodez · · Score: 1

      "promoting equality" is euphemism for promoting an agenda using racism or ageism or other discrimination.

    2. Re:"Promotes equality" by tomhath · · Score: 1

      "Promotes equality" is a euphemism for "Promotes our agenda"

    3. Re:"Promotes equality" by Anonymous Coward · · Score: 0

      "Promoting equality" and other forms of "social justice" (selective discrimination) and being offended by anything and everything is just more Generation Snowflake Millenialist bullshit.

      The SJW bowel movement will hopefully fade away soon for everyone's sanity.

  5. Funny by Anonymous Coward · · Score: 0

    If you read the paper, by forcing the algorithm to be "fair" their accuracy and hypothetical profit goes down.

    1. Re:Funny by rickb928 · · Score: 1

      "forcing the algorithm to be "fair" their accuracy and hypothetical profit goes down."

      At least it's mimicking the real world.

      --
      deleting the extra space after periods so i can stay relevant, yeah.
  6. Can Google Brain solve the ultimate mystery? by Anonymous Coward · · Score: 0

    Why isn't Hillary in jail?

    1. Re:Can Google Brain solve the ultimate mystery? by Anonymous Coward · · Score: 0

      Why isn't Hillary in jail?

      She broke out.

    2. Re:Can Google Brain solve the ultimate mystery? by Oswald+McWeany · · Score: 1

      Because Donald Trump isn't president.

      --
      "That's the way to do it" - Punch
    3. Re:Can Google Brain solve the ultimate mystery? by Anonymous Coward · · Score: 0

      yet

    4. Re:Can Google Brain solve the ultimate mystery? by cayenne8 · · Score: 1

      Why isn't Hillary in jail?

      I think they gave her a medical pass due to her advancing Parkinson's Disease.....

      ;)

      --
      Light travels faster than sound. This is why some people appear bright until you hear them speak.........
  7. As long as they're still allowed to use data... by Anonymous Coward · · Score: 0

    to make decisions, the system will always be sexist and racist. That data will indicate they're a riskier loan, so even if it isn't intended to destroy the lives of women and minorities, it will destroy their lives.

    1. Re:As long as they're still allowed to use data... by shaitand · · Score: 1

      Only if they are riskier loans which isn't the fault of anyone but the women and minorities. You seem to work from the assumption that women and minorities are more likely to skip out of their bills.

    2. Re:As long as they're still allowed to use data... by ShanghaiBill · · Score: 5, Informative

      You seem to work from the assumption that women and minorities are more likely to skip out of their bills.

      You don't need to "assume" anything. You can just google the data.

      Women are less likely to default on their mortgages.

      Women are more likely to default on their student loans, partly because their degrees are more likely to be worthless so they earn less.

      Blacks and Hispanics are more likely than whites to default on all types of loans.

      Asians are less likely than whites to default.

    3. Re:As long as they're still allowed to use data... by ganjadude · · Score: 4, Informative

      well if the data backs up the claims, its not sexist, or racist

      --
      have you seen my sig? there are many others like it but none that are the same
    4. Re:As long as they're still allowed to use data... by Nkwe · · Score: 0

      well if the data backs up the claims, its not sexist, or racist

      I am not sure I agree. If the data says that $minority group is more violent then $non-minority, it may be statically true for a given set of statistics but we all (should) know that correlation is not causation and it may be that $minority group on average lives in a more dangerous place. Higher insurance rates for $minority group members would be racist, but charging higher rates for people (with out regard to race) living in a dangerous place would not be racist.

      The trick of course is to be careful about allowing a company to use location as a proxy for race or other minority status.

    5. Re:As long as they're still allowed to use data... by WaffleMonster · · Score: 3

      I am not sure I agree. If the data says that $minority group is more violent then $non-minority, it may be statically true for a given set of statistics but we all (should) know that correlation is not causation and it may be that $minority group on average lives in a more dangerous place. Higher insurance rates for $minority group members would be racist, but charging higher rates for people (with out regard to race) living in a dangerous place would not be racist.

      Causation is irrelevant in terms of insurance. The only thing that matters is accurately modeling risk. An algorithm doesn't have to know the reasons why kids are more likely to smash up their parents cars. It is only relevant that kids smash up their parents cars.

    6. Re:As long as they're still allowed to use data... by shaitand · · Score: 1

      If that is the case then the AI should have that data to parse objectively and make decisions on. There is no benefit to forcing loans to be given to people who don't pay them. I doubt having a vagina or alternate skin color is the root cause personally but having trouble getting loans should inspire those who share these attributes to find and resolve the issues that lead to this irresponsible behavior. The current system only props up entitlement issues.

      Crying it's not fair doesn't help anything. You have to do something about it, and doing something isn't fighting against the unfairness it is doing what you have to in order to succeed despite the fact life is unfair and never will be. These groups aren't the only ones who face unfair situations and challenges.

    7. Re:As long as they're still allowed to use data... by lgw · · Score: 1

      If that is the case then the AI should have that data to parse objectively and make decisions on. There is no benefit to forcing loans to be given to people who don't pay them.

      No benefit? The last time banks did that, they got $1.6 trillion in bailouts from taxpayers. Ka-ching!

      --
      Socialism: a lie told by totalitarians and believed by fools.
    8. Re:As long as they're still allowed to use data... by AthanasiusKircher · · Score: 1

      You don't need to "assume" anything. You can just google the data.

      The question is whether these distinctions are the best way of dividing up the data. From a basic stats standpoint, we need to be aware of confounding variables. And if our goal is trying to model something or assess risk or whatever, we need to choose the best metric to tell us what we want.

      Just to throw out a few ideas:

      Women are less likely to default on their mortgages.

      Is this really about men vs. women, or is it about the type of woman likely to have her name on a mortgage? Traditionally, a lot of times a man in a relationship would tend to buy a house in his own name. Men are also more likely to marry younger women than women are likely to marry younger men, which means it's more likely than men have bought a house already before a relationship begins -- again, putting their names on mortgages more.

      So, do you just have more young or more risky men with mortgages, while women who tend to hold mortgages are more career established or at least have their own income for a relationship, etc.?

      In these cases, the model might be improved by tracking things like age, career status, salary level, etc. more than men vs. women. I'm just speculating here, but it may just be more than "women are more responsible home owners" (??).

      Women are more likely to default on their student loans, partly because their degrees are more likely to be worthless so they earn less.

      If your latter supposition is true, why not consider loan default rate based on degree type, school, etc.? If those factors are taken into account, are there still significant gender differences?

      Blacks and Hispanics are more likely than whites to default on all types of loans.

      Blacks and Hispanics are also disproportionately likely to be poor in the U.S. Poor people are more likely to default on loans. Do rich Blacks and Hispanics also default at a greater rate than similar income of Whites? If you take socioeconomic effects into account (and maybe stuff like education level), are these racial differences still significant?

      Also, it should be noted that high-cost lenders tend to target poor and uneducated communities, often where there's a concentration of minorities. Are the default rates higher because of race or because they tend to be given crappier loans to begin with?

      Again, if our goal is to assess and model risk, shouldn't we base decisions on the most relevant factors? If -- to just make up some numbers -- 70% of differences can be explained in loan default rates on socioeconomic grounds, 25% can be explained by bad lenders targeting poor communities, and only 5% of the purported racial difference is left over after factoring these other things in, is race really all that important for a model here? (And keep in mind that 5% may not even be due to race; there may be other confounding factors we haven't thought of.)

      My point here is to say that -- yes, differences may exist in the data. But before we start quoting such stats, we need to understand whether it's really causal. If this were some sort of scientific study on some abstract issue in physics or whatever, people would rip such ideas to shreds here, saying "CORRELATION IS NOT CAUSATION!!!" over and over. But when it comes to correlations for gender, race, etc., we're often happy to just accept the causal element, rather than questioning if there's something else going on. And maybe there are some differences between genders or races that are not caused by obvious confounding variables... but that's often a MUCH smaller portion of the cause of apparent differences than it appears with the raw "google the data" approach.

    9. Re:As long as they're still allowed to use data... by AthanasiusKircher · · Score: 1

      Causation is irrelevant in terms of insurance. The only thing that matters is accurately modeling risk.

      "Causation" may be irrelevant, but confounding variables are definitely relevant to accurate modeling. If you get one correlation by looking at minority vs. non-minority, that might give you one model with a certain level of accuracy.

      But if what's really going on is less a function of race than of location or socioeconomic status, then tracking those latter factors may give you stronger correlations and thus a better model (which increases profit).

      For example, black people have higher incidents of car insurance claims than white people. An algorithm that took race into account would obviously be better in terms of profits than just charging everyone the same premium for insurance.

      But actuaries would tell you that insurance claims are MORE correlated with things like location. It's not that you're a white person driving a car vs. a black person, but that your car is sitting on the street in a bad inner-city neighborhood vs. parked in a garage in suburbia. So, you build a model on that, and you get even better profits than your racial model.

      An algorithm doesn't have to know the reasons why kids are more likely to smash up their parents cars. It is only relevant that kids smash up their parents cars.

      Again, that's nice and crude, but do you want to just get some profit, or MORE profit? That's why you get insurance companies giving discounts for kids who take driver's safety classes or who are honor's students or whatever. (In reality, of course, they're just making up for the "discounts" by charging other young people more.) A lot of driver's safety classes are crap, so is that really going to make a difference? Does getting an A in chemistry make you a better driver? Or is someone who gets good grades and is responsible enough to show up and complete a weekly class over several meetings just more likely to make more responsible decisions on the road in general?

      You're absolutely right that insurance companies are trying to find factors that "accurately model risk." But there are some times when you'd get a much better model if you start to look into the causes or details. And a lot of apparent racial differences in data start to become much less important for modeling (in almost all circumstances) once you begin to take things like socioeconomic status and education level into account.

    10. Re:As long as they're still allowed to use data... by shaitand · · Score: 1

      From the perspective of banks I suppose that is true. Even without bailouts many kinds of financing are designed around making their money on loans that don't get paid/paid on time now. For instance auto financing works that way and all the 0% merchant financing that balloons from 0% to 25%+ on a missed payment or once the term passes but intentionally sets a minimum payment low enough that it wouldn't pay off the loan in time. Arguably it should be illegal but those 0% loans do benefit those of us who know how it works, wait until we have the full amount before we buy, and then set the funds aside to gather interest and then pay the full sum before the bell.

    11. Re:As long as they're still allowed to use data... by Chalnoth · · Score: 1

      Sure it can be. It depends upon the data and the questions being asked.

      Learning algorithms match input data to output variables. They are trained by using a set of "known" relationships between the input data and the output variables (e.g. images that have already been classified as containing a dog or a cat or neither). If the training data is skewed as a result of prejudice, then the learning model will reflect that prejudice.

      For example, there is today copious evidence that police are far more likely to arrest black people for the same crime as they are to arrest white people. So if we have data that uses arrest rates to measure how often crimes are committed, it's going to claim that black people commit crimes more often even if the only difference is police bias.

    12. Re:As long as they're still allowed to use data... by david_thornley · · Score: 1

      Speaking as someone who does know something about mathematics, statistics, and AI, I have FAR less faith than you do in the ability of the AI to magically come up with an accurate model. If we could enter every relevant variable, and the AI could know how each of these affects things, you'd have a much better argument.

      --
      "When you have eliminated the unacceptable, whatever is left, however improbable, must be the truthiness" - Holmes
    13. Re:As long as they're still allowed to use data... by shaitand · · Score: 1

      Who said anything about magically coming up with an accurate model? That is an entirely different concern. Regardless of the model the AI comes up with, it will be objective.

      It does actually seem like a solid application for AI since you could work out a solid model in a spreadsheet for loan applications that contains the most relevant variable in an afternoon. The AI is really just for fuzzy pattern matching indicators that aren't obvious... like say any correlation with race, gender, age, and some types of credit report data. Usually financial organizations form complex structures of rules and guidelines and have some sort of credit authority scheme based on knowledge and consistency of application of those rules and/or guidelines to empower people to make exceptions and determining how large of exceptions they can make.

      We can already build AI systems well enough to provably out diagnose ER doctors we can certainly manage something as straightforward as credit analysis that only has about 20-30 important variables with those clearly defined. The trouble is going to be for organizations doing things like auto loans where on paper they want to make solid loans, fairly, and in compliance with regulation and in reality actually want somewhat risky loans because they make the majority of their profit from fees, penalties, missed promotional periods, higher interest charged due to making exceptions, etc. For a human they can say to do the on paper right thing and then punish them for poor performance relative to peers who are making the risky loans while rewarding those peers automatically with commissions. It's harder to tell a machine to pretend ethics and sound judgement are important but deviate in every situation you can spin an excuse for or write off as a mistake if caught.

    14. Re:As long as they're still allowed to use data... by Anonymous Coward · · Score: 0

      What you are missing is that these models are not trying to find out the reason for the defaults. That's not their purpose. They are simply predicting, and if a predictor works with a certain level of accuracy, it's good enough and is verifyable based on the data, it makes no sense to go to the levels you are suggesting, biased as they may be, just to satisfy some SJW desire to not insult one's race.

    15. Re:As long as they're still allowed to use data... by Anonymous Coward · · Score: 0

      And a lot of apparent racial differences in data start to become much less important for modeling (in almost all circumstances) once you begin to take things like socioeconomic status and education level into account.

      I don't see why. Refining the models does not turn the predictions upside down. If group X has 60% probability of default and we refine that into subgroups all we get is a fine-tuning of the 60% into 59 or 61. For example it is possible to find a subgroup composed of 1% of the people whose probability of default is 5%, but the remainder 99% will probably be found to have even slightly higher defaults.

    16. Re:As long as they're still allowed to use data... by david_thornley · · Score: 1

      The model will be as objective as the training data. If the training data is loan applications and whether they were granted or denied, it will reflect the biases of the people or algorithms who made the decisions. If it is performance on loans granted, it will generally reflect those biases in reverse, since if (say) it's harder for blacks to get a loan, the loans that are granted to blacks will be on a more sound basis, and blacks will look like less of a risk. I don't see how to get unbiased training data, but that could be a failure of my imagination.

      In many financial transactions, discrimination on the basis of race is illegal, as well as unfair to individuals. (There are other protected classes, but I'm not as familiar with protected classes as they apply to financial decisions.) It at least used to be true for some of them that the lender had to explain why the loan was denied, and what the applicant could do to qualify (and "spray-paint skin pinkish" doesn't count.) The model will have to be carefully checked to see that it's not discriminatory against protected groups, and that's the issue in TFS.

      Back when I first studied expert systems in 1989, there was an expert system that would diagnose certain conditions better than real live doctors could, so this isn't new. For some things, it would be cheaper and more efficient to do the diagnosis and recommended treatment by machine, and have somebody licensed to practice medicine with no further qualifications signing whatever the machine sends to the prescription printer.

      This isn't the same situation, though. For diagnoses, whatever makes it more accurate is good, and this includes things like race and sex (some conditions correlate with race, and a lot correlate with sex - I'm real unlikely to contract ovarian cancer, for example). The only illegalities would come in treatment, if, say, it favored less effective treatments for one race or sex (although sometimes it seems like there's an anti-female basis in current medicine). Lending decisions are more like treatment than diagnosis that way.

      I don't see the same problem for the auto dealer that you do. A model can tell the salesperson how risky the loan is, and the salesperson can't really manipulate that. The rewards would be for salespeople who managed to get people to take more risky loans, without falling too much afoul of predatory lending laws, and I just don't see how semi-objective measures of risk do that.

      --
      "When you have eliminated the unacceptable, whatever is left, however improbable, must be the truthiness" - Holmes
  8. Also by Anonymous Coward · · Score: 0

    The fact that no matter how good it is, google 'brain' can't strictly speaking, 'infer' anything. Good grief, they are stupid.

  9. How dows this make sense? by Anonymous Coward · · Score: 0

    Can somebody explain to me how this is a good idea? How is less information for decisions a good thing?

    Don't know about everybody else, but when I am making decisions, I like to have the most information possible.

    So if women are 2x as likely to default as men on a loan (MADE UP NUMBER, NOT BASED ON FACTS), damn right that is important to know when considering to give the loan and at what interest rate. This would not be sexism or bigotry or wtv else regressive fascist femenazis and SJW would have you believe. It would be an important variable when measuring risk.

    When a loan application cannot collect that information, be it direct or inferred, well quite simply EVERYBODY will pay more in order to guarantee the lender does not get screwed in the end.

    If the default rates of men and women are the same, then that variable is of no consequence and nobody would bother asking or wasting time to infer it. Unless of course you will try to make the argument that there are loan managers out there willing to lose their job/raise/bonus/promotion in order to deny women loans and not meet his targets.

    1. Re:How dows this make sense? by Rockoon · · Score: 1

      Unless of course you will try to make the argument that there are loan managers out there willing to lose their job/raise/bonus/promotion in order to deny women loans and not meet his targets

      Yes thats really what the SJW's think.

      --
      "His name was James Damore."
    2. Re:How dows this make sense? by Anonymous Coward · · Score: 0

      When a loan application cannot collect that information, be it direct or inferred, well quite simply EVERYBODY will pay more in order to guarantee the lender does not get screwed in the end.

      See, everybody pays the same, equality.

    3. Re:How dows this make sense? by Oswald+McWeany · · Score: 1

      So if women are 2x as likely to default as men on a loan (MADE UP NUMBER, NOT BASED ON FACTS), damn right that is important to know when considering to give the loan and at what interest rate. This would not be sexism or bigotry or wtv else regressive fascist femenazis and SJW would have you believe. It would be an important variable when measuring risk.

      What if black people were more likely to default on a loan? Would you be OK with charging black people more than white people?

      I understand what you're saying, and I understand why people might take various demographic information into account, but you (presumably) wouldn't support making legal random searches on black men, just because one in three end up in jail at some point in their life. We understand at a fundamental level that THAT is wrong.

      People should be judged on their worthiness based on what they've done, not how they were born. A loan shouldn't be based on sex or colour.

      --
      "That's the way to do it" - Punch
    4. Re:How dows this make sense? by Penguinisto · · Score: 1

      To be fair, there used to be a practice called redlining, which was an indirect but highly effective means of overt discrimination. Now as to whether the cause for discrimination was supported by statistical history of creditworthiness (or was born of just plain hatred/bigotry/etc) is another story.

      --
      Quo usque tandem abutere, Nimbus, patientia nostra?
    5. Re:How dows this make sense? by Penguinisto · · Score: 1

      Isn't that why the FICO score (and credit rating) was formed (that is, to provide a more objective means of reporting the creditworthiness of an individual)?

      --
      Quo usque tandem abutere, Nimbus, patientia nostra?
    6. Re:How dows this make sense? by NotInHere · · Score: 2

      Yes, but being a single parent is a risk factor. You usually don't have as much time to focus on your job, etc. Or it can be the opposite: if you have a child, you want the best for them and maybe make extra sure you keep your current job, etc.

      And about skin color, blacks have a larger unemployment rate than whites:

      http://www.theatlantic.com/bus...

      So you are not supposed to look at the employment status because due to this you might infer the skin color and apply racist bias? This is just totally nuts. Of course, you should not use skin color information to infer employment status, which would be racist, but using employment status information to make your loan decision should be possible, just as using information on whether you are a single parent or not.

    7. Re:How dows this make sense? by Anonymous Coward · · Score: 0

      They will then move the goal posts and whine about how unfair it is they pay as much as a (insert non progressive stack target).
      It's not equality they want, it's power and control. As long as you give in to their whining they will always come up with something new to whine about and demand you change it.
      The best thing to do is give them the middle finger then laugh as they throw a two year old's temper-tantrum.

    8. Re:How dows this make sense? by Anonymous Coward · · Score: 0

      At the risk of sounding racists, yes indeed I would. Just like I would support charging white people more if the reverse where true.

      In fact, I pay more for my auto insurance because I am a male. So when it works out in my favor, why is it considered bigoted/unfaire/racist/bla bla......

      We should not ignore the truth just because it is inconvenient.

      There are movements that tried to do this for thousands of years, called religions. How did that work out for humanity?

      Oh and first of all, in a FREE country, I am opposed to the concept of "legal random searches" to begin with. However if I where a cop, and this is an evil I was forced to live with, I like to think I would approach these with fact based information. So if the facts say that black men are 2x as likely to have contraband than white men, then yeah I would focus more on black men.

      Lets put it another way; how many children under 2 year old are known terrorists and been involved in terrorist attacks? Not many I would imagine. If you where a decision maker, would you invest BILLIONS to monitor all communications, movements and associations of all 2 year olds in the country? Of course not, no logical sensible RATIONAL person would make that decision. But when the reverse is true, are we seriously going to stop ourselves from putting our knowledge to use because of PC?

    9. Re:How dows this make sense? by ShanghaiBill · · Score: 1

      What if black people were more likely to default on a loan?

      They are.

      Would you be OK with charging black people more than white people?

      No. Our society's top priority should not be maximizing profit for the financial industry.

    10. Re:How dows this make sense? by Anonymous Coward · · Score: 0

      Don't know about everybody else, but when I am making decisions, I like to have the most information possible.

      Efficiency is good, but future advances in statistics and big data do have the potential to make things worse.
      What if insurance companies got really really good at predicting who will and won't have major medical expenses or die untimely?
      It would basically spell the end of insurance.

    11. Re:How dows this make sense? by Pinky's+Brain · · Score: 1

      I would be okay with companies charging blacks more. If we as a society consider it important that the average blacks gets equal cost loans as the average white regardless of the fact that they on average default more then it's government's responsibility to make up the difference.

      We shouldn't force the companies into pretending insane decisions are sane, insanity is not something we should strive for.

    12. Re:How dows this make sense? by Pinky's+Brain · · Score: 1

      I'm also perfectly alright with people who dress like thugs getting hassled more by the police BTW. Even if that is on average racist.

      Just don't dress like a thug.

    13. Re:How dows this make sense? by CrimsonAvenger · · Score: 1

      Would you be OK with charging black people more than white people?

      No. Our society's top priority should not be maximizing profit for the financial industry.

      Of course, that's not actually the issue. What actually happens is that the financial industry raises the "normal rate" enough for them to make their money. Which means that Asian-Americans (best loan risk around, in general) pay more to allow African-Americans (arguably the worst right now. Could be Hispanic-Americans are worse, though) & Anglo-Americans to get loans at lower rates.

      --

      "I do not agree with what you say, but I will defend to the death your right to say it"
    14. Re:How dows this make sense? by alvinrod · · Score: 1

      It's pretty unlikely that the amount of melanin a person possess has anything to do with their ability to repay loans. Rather it is the current economic situation, family status, job, etc. that determine the ability to repay a loan. It's just that those factors also have a strong correlation with ethnicity so people make a lazy and incorrect assumption.

      It's similar to crime statistics. If you look at the raw figures you see something like a 300% disparity based on ethnicity for certain crimes, but once you control for socioeconomic status, family structure during upbringing, and a host of other factors it turns out that almost all of that difference is explained away. It's the same as the supposed gender wage gap. Account for overtime, vocation, experience, etc. and the gap disappears almost entirely.

      We as humans often don't look at all of the small underlying conditions that contribute to those outcomes and instead see a big picture result and then go off on some kind of idiotic screed that simply isn't true.

    15. Re:How dows this make sense? by pak9rabid · · Score: 1

      What if black people were more likely to default on a loan? Would you be OK with charging black people more than white people?

      I understand what you're saying, and I understand why people might take various demographic information into account, but you (presumably) wouldn't support making legal random searches on black men, just because one in three end up in jail at some point in their life. We understand at a fundamental level that THAT is wrong.

      People should be judged on their worthiness based on what they've done, not how they were born. A loan shouldn't be based on sex or colour.

      On a related note, why is it ok for auto insurance companies to charge men more for policies than women?

    16. Re: How dows this make sense? by Anonymous Coward · · Score: 0

      risk seeking behavior is strongly correlated with testosterone levels both within groups of women and men and between groups of women and men. There are good biological reasons for this. In this case being male is the causal reason for being a higher risk factor so it is perfectly appropriate that we pay higher insurance rates

    17. Re:How dows this make sense? by david_thornley · · Score: 1

      Sure, you should look at employment status. It's relevant. What would not be OK is to give unemployment status undue weight because it is different between races. It's becoming more important now since we're not designing the loan criteria ourselves, but are using powerful statistical techniques to come up with predictor functions, these aren't going to be perfect, and we can't reason about the functions. If the predictor function is biased against blacks in similar situations as whites, for example, that's illegal. One way to try to avoid that is to not include race as one of the inputs, but that isn't sufficient, since other inputs can function as proxies for race, particularly if the inputs aren't obviously indicative in themselves.

      This is a complicated problem, and isn't going to have an easy or simple solution.

      --
      "When you have eliminated the unacceptable, whatever is left, however improbable, must be the truthiness" - Holmes
  10. Because companies are champions of equality by Anonymous Coward · · Score: 0

    WTF guys? Why isn't anyone having the right conversations?

  11. What utter nonsense. by Anonymous Coward · · Score: 0

    Hard AI is still in its infancy (and in my opinion very well may never happen with silicon computers as we know it).

    There are much simpler problems to solve than trying to have an AI lie to itself (and others) that the difference it sees is not actually a difference. How do you even begin to explain political correctness to an AI?

    Hey AI, instead of selection the best option(s) under the criteria you were given, you need to make an inferior choice, because... well, reasons...

    Hey AI, you need to see the legally protected differences, and then later deny seeing them with some sort of parallel construction argument.

    What utter nonsense.

    1. Re:What utter nonsense. by Anonymous Coward · · Score: 0

      "How do you even begin to explain political correctness"

      There fixed that for you.

  12. single parents != females by NotInHere · · Score: 3

    If even machines come up with measurable differences between work performance of males and females, then I think giving them in average the same amount of money or the same promotions is discrimination. I'm all for giving a woman who performs just as well as a man the same money, but if there are additional risk factors like a pregnancy or when the parent has to raise child, the person usually prioritizes these things over work, so why should work not be allowed to prioritize that person over others who do not raise children or do not drop out for weeks and months out of some work-external reason.

    1. Re:single parents != females by Anonymous Coward · · Score: 0

      Shhhhhh....You are using LOGIC.

      The feminazis will have your burnt to the stake. REPENT! REPENT I TELL YOU.

    2. Re:single parents != females by Anonymous Coward · · Score: 0

      You're not necessarily wrong--This is just a question of culture. If the culture of the people surrounding you all supported that notion of the relationship between work and family, as a simple choice between lifestyles that trade for time, attention, and money, then sure, that sounds most appropriate.

      However, what do you do if most of the people around you want a more moderating society, and they expect an economic environment that promotes working and raising a family? Or in other words, what if you're in a place with people that don't want to reward someone for putting in significant extra work time above some norm?

      It all seems subjective (possibly regional?).

    3. Re:single parents != females by tlhIngan · · Score: 1

      If even machines come up with measurable differences between work performance of males and females, then I think giving them in average the same amount of money or the same promotions is discrimination. I'm all for giving a woman who performs just as well as a man the same money, but if there are additional risk factors like a pregnancy or when the parent has to raise child, the person usually prioritizes these things over work, so why should work not be allowed to prioritize that person over others who do not raise children or do not drop out for weeks and months out of some work-external reason.

      That's been the traditional reason women are paid 80-90% of a man - so it's already priced into existing salary models. If you take into account maternity leave and loss of work experience, it drops down to 60-70% (women lose work experience and re-enter with a lower salary than if they continued working).

      The problem was, this also meant a career-first woman who doesn't want to start having children is penalized because it's assumed she'll want to marry, have kids, etc.

    4. Re:single parents != females by NotInHere · · Score: 1

      The problem was, this also meant a career-first woman who doesn't want to start having children is penalized because it's assumed she'll want to marry, have kids, etc.

      Yes, if this is happening (and I guess it does), it an actual bad thing and needs to be fought. Most feminist don't make this difference though, and claim the pay gap is due to evil men hating women and wanting them to "stay in the kitchen" or something.

    5. Re:single parents != females by FeelGood314 · · Score: 1

      Two things you have wrong here but I think the you are looking at this like an American. As a society we want to have women participate in the work force. As a society we want parents to take time off to raise children. So as a society we decide that overall we are better off if some companies are inconvenienced by having women take time off and prioritizing their children. We are taxing companies in a way because we think it is overall beneficial to all of us. Second, and I did stats at a credit bureau, there are two sets of factors that determine a persons credit worthiness. Who they are, their education, back ground, sex, parents income level etc. and what they have done, number of late payments, salary, debts, etc. If you are scoring credit for an entire country you are as a developer better off to score only on the second group of factors otherwise the scores become a self fulfilling prophecy.

    6. Re:single parents != females by NotInHere · · Score: 1

      However, what do you do if most of the people around you want a more moderating society, and they expect an economic environment that promotes working and raising a family?

      Yes but most of the reasoning those people who want such a society use is claiming that women get less for doing the same work, or similar. They either lie about or don't even know it themselves.

      And yes, I do think that each couple should decide for themselves whether they want a single payer household, or where both parents work, or one parent works only half time, or similar. But I think its ridiculous to give the parent who works only half time the same money as the full time parent just to be "fair to women" or some bullshit like that. Its not fair if you don't devote as much time to it.

      If you want to promote people who make money to raise children, just give them tax cuts instead. It should not be the responsibility of the companies to raise the children of their workers, just as it isn't the responsibility of your lawnmower company to plant grass seeds.

    7. Re:single parents != females by AthanasiusKircher · · Score: 1

      I'm all for giving a woman who performs just as well as a man the same money, but if there are additional risk factors like a pregnancy or when the parent has to raise child, the person usually prioritizes these things over work, so why should work not be allowed to prioritize that person over others who do not raise children or do not drop out for weeks and months out of some work-external reason.

      A few things here. First off, while men obviously can't get pregnant, they can do child care. (Especially after the first few months when the average woman tends to give up on breastfeeding, if they do it at all.) Men can take want to take parental leave. These days, more and more men are "stay at home dads" or interested in "paternity leave" or whatever. It's still a minority, but it's growing.

      So, even if you have an anti-child policy at your company, are you going to query men you're hiring on whether they're likely to take a larger role in child-rearing than the average man? And are you going to fairly react to similar family issues from men vs. women?

      Second, I think the question needs to be asked about work conditions in general. There seem to be a lot of younger men in particular who are happy to work 12-hour days 6+ days each week to "get ahead." Personally, I think life's too short, and I have more stuff to do than work. The creation of the 40-hour week almost a century ago had a lot of good rationale behind it, not only in terms of life/work balance, but also in terms of maximizing productivity by not having people "burn out" or make excess mistakes during long hours, etc. But we currently have moved toward a cutthroat environment that often rewards those who work long hours, never take vacation, sick days, or other leave, etc. Is that really the working environment you prefer? And if not, are the demands of a woman who wants to leave at a reasonable hour to be with her family that irrational?

      Lastly, I think you might also consider the broader implications of your policies. Currently, well-educated "career women" tend to have some of the lowest birthrates, likely because of the feedback factors you identify. They prioritize work to get ahead, and then either wait until it's too late to have kids, or only have one or whatever.

      What are the social damages created by this scenario? Well, for one, older women have increased risks of having kids with various birth defects, which ultimately creates a greater social drain on resources. But you might also consider long-term issues like the fact that you're making the most highly-educated and perhaps naturally talented women LEAST likely to contribute to the future gene pool. Meanwhile, uneducated, unsuccessful, unmotivated women have the opportunities to have the most kids (and do). And differences even get worse when you start to look at policy implications beyond just birth -- lots of evidence shows that home environment is critical to child development in early years. If you want to have a smarter, better developed population, you want kids to have enough attention early on... and that often means prioritizing things like parental leave (for either parent). And the more educated the parent, the more important the influence is on the kid, so again, asking giving well-educated women the opportunity to spend time raising kids may actually be good for society in the long run.

      I'm NOT saying we should pay people more for inferior work performance. But there are implications to our current preoccupation with maximizing working hours at the expense of everything else. I realize these concerns are not relevant to the immediate "bottom line" of most companies, but there are actually good long-term social reasons to support parents, particularly those who are intelligent enough, educated enough, and responsible enough to do well at work.

    8. Re:single parents != females by AmiMoJo · · Score: 1

      Even if you don't think it's a problem to discriminate based on assumptions and "potential", why should people who don't have kids reap the benefits of having younger generations existing without contributing at all?

      --
      const int one = 65536; (Silvermoon, Texture.cs)
      SJW, n: "Someone I don't like, and by the way I'm a fuckwit" - AC
    9. Re:single parents != females by Anonymous Coward · · Score: 0

      What we should do is penalise dropping out of work (for pregnancy or for any other reason) sufficiently that the employer doesn't suffer for it. That way, they have no motivation to discriminate.

    10. Re:single parents != females by jrumney · · Score: 1

      If even machines come up with measurable differences between work performance of males and females, then I think giving them in average the same amount of money or the same promotions is discrimination.

      Not if the differences cancel out (women perform less well in some areas and better in others), or pale in significance compared to the variation between individuals of both sexes (eg men score a 5.3 on my made up performance scale, women score 5.1, and the standard deviation for both groups is around 1.8).

    11. Re:single parents != females by NotInHere · · Score: 1

      Personally, I think life's too short, and I have more stuff to do than work.

      Its great that you have this position for yourself, which I do have as well, but that doesn't mean that everyone who is working harder shouldn't be rewarded for it.

      But we currently have moved toward a cutthroat environment that often rewards those who work long hours, never take vacation, sick days, or other leave, etc. Is that really the working environment you prefer?

      If those people do these sacrifices, and their overall performance actually does get better, then it should only be natural to reward them. Everything else would be unfair.

      Currently, well-educated "career women" tend to have some of the lowest birthrates, likely because of the feedback factors you identify. They prioritize work to get ahead, and then either wait until it's too late to have kids, or only have one or whatever.

      There are even many great men who didn't have children because they didn't have the time, Nikola Tesla is an example. But this is simply the deal you have to make, raising children takes time, such as doing work.

      but there are actually good long-term social reasons to support parents, particularly those who are intelligent enough, educated enough, and responsible enough to do well at work.

      I agree with the idea of helping such parents to raise children. However, this can be done e.g. by tax cuts if you have children / extra taxes if you have none. Why should the employer be part of the story? The employer the same benefit in an employee leaving to take care of their children than if that employee stayed home to watch TV or to drink in a bar.

    12. Re:single parents != females by yuriklastalov · · Score: 1

      So what are they going to do? Put "Must have IUD and refrain from getting pregnant for the duration of the contract" in every employment agreement? Does that mean they could fire (and sue) the woman if she did get knocked up?

      Then again, in a world with non-compete clauses, waiving rights to sue, and forced arbitration, I guess a "no pregnancy" clause isn't that outlandish. I wonder what other idealistic but poorly thought out notions we can shoehorn into employment contracts?

    13. Re:single parents != females by Anonymous Coward · · Score: 0

      As a society we want to have women participate in the work force.

      Why ? I get that we want women *to be able to* participate, but why do we want them to participate ? This can only impact children and next generation's upbringing negatively, with two busy parents. Why do we *need* to push all women into the workforce if they don't want to ?

  13. Re: As long as they're still allowed to use data.. by Anonymous Coward · · Score: 0

    Exactly. Single women defaulted at four times the rate IIRC from when I worked as a developer for a regional bank. Any system that reduces risk is inherently biased.

  14. Let's start charging women more for car insurance by Anonymous Coward · · Score: 1

    We can use the extra money to subsidise men's insurance premiums. Clearly, "prejudice by inference" is causing men to be charged too much.

    I'm sure supporters of gender equality will agree with me.

  15. How would 'single parent' be relevant? by Anonymous Coward · · Score: 0

    For the example used, e.g. regarding getting a loan, how is 'single parent' actually relevant? Seriously. While there may be statistics that somehow demonstrate some relationship between 'single parent' and 'loan worthiness'. Is it not really more relevant on a specific individuals basis to know what their income is, how they get it and what their costs are? To me the assumption appears to be that a '2 parent home' is somehow more legally stable in terms of allocating income & costs, but given the nature of society, high rates of divorce etc, the idea that a '2 parent home' will remain so or that any individual in that '2 parent home' is 'carrying their weight' (allocating their income as might be 'expected') just doesn't seem valid.

    The point I'm trying to make is that given the legal framework & lack of 'enforcement ability' to guarantee costs of child care are enforced, it wouldn't seem to matter to whether or not a given individual is capable of paying off a loan. It would seem more valid to know the specific legal details of where income is coming from, the ability guarantee that income & similarly for a persons costs.

    Using statistics for predictive value in this case seems like a 'lazy way out' that simply continues to perpetuate a society that doesn't enforce proper cost allocation of child care (e.g. if there was a contract for child support that the bank relied on in regards to treating it as income & one of the people in that contract failed to meet the contractual requirements it seems the bank would have some stake in enforcing those provisions).

    1. Re:How would 'single parent' be relevant? by Pinky's+Brain · · Score: 1

      If the AI agrees with you there are better statistical predictors it will simply "ignore" the single parent status. It's not prejudiced, it's just profit optimizing.

  16. Rights and rationality by dumky2 · · Score: 1

    Having your property searched (trespassed on by police) is different than not getting a loan. You own your house. You don't own the bank's money.
    If police were not a privileged monopoly, they would owe restitution for bad searches, just like a trespasser does. But given that it is a monopoly, we try to rein its power in with rules.

    The idea that the world is better or more rational by ignoring rational inferences is mistaken. Take for example the effort to "ban the box" (which means employers don't get to ask if you're a felon). Although such legislation are intended to help black people, but the the results appear to have been opposite [1].
    People (including employers, creditors, insurers, retailers, ...) try to evaluate risks as best they can. If you make them blind to a signal, but they are unwilling to increase their risk tolerance, they will behave more conservatively, not less. They will decrease their service and use even cruder methods to control their risk.

    [1] http://phys.org/news/2016-06-e...

    --
    These comments are mine; I do not speak for my employer.
  17. Enforced stupidity by Anonymous Coward · · Score: 0

    I love it. They are already fucking up their "artificial intelligence" (neural network) to be a liberal SJW.

  18. Why have AI at all? by Merk42 · · Score: 5, Insightful

    The only "solution" will be if every living thing has the same result, so just ignore all values and hardcode the one output.

    1. Re:Why have AI at all? by Anonymous Coward · · Score: 2

      As someone who's spent the past year studying/applying data science and machine learning, I think this is the most insightful comment posted so far.

      It's incredibly effective to discriminate by education level, income level, religion, race, gender, age, home address, credit score, criminal history, and # of children. With these limited dimensions, you have an almost perfectly normally distributed cluster regardless of the topic being studied. If you do unsupervised learning on the raw data, the features will almost certainly come to the conclusion that these 10 dimensions are the principal components regardless of what other dimensions are available.

      When dating websites do the analysis: it shows the same result.
      When insurance companies do the analysis: it shows the same result.
      When lenders do the analysis: it shows the same result.
      When large retailers like Amazon do the analysis: it shows the same result.

      When you try to make machine learning unbiased by excluding these dimensions from the analysis: the algorithm learns features which are strongly correlated
      with the dimensions which have been excluded. Forcing the residuals to randomness is the new "scientific racism" where groups which do poorly due to their circumstances are provided a virtually limitless subsidy to enable them to catch up to those individuals who are paying the bill for the subsidy.

      Does anyone really want to watch a game of Basketball where the height distribution of the players perfectly mirrors the height distribution of the general population?

    2. Re:Why have AI at all? by avandesande · · Score: 1

      Does anyone really want to watch a game of Basketball where the height distribution of the players perfectly mirrors the height distribution of the general population?

      That's an interesting question. Having variability in height can add a lot to the dynamics of the play. Personally I think watching high school or college sports is more interesting than professionals...deadly dull.

      --
      love is just extroverted narcissism
    3. Re:Why have AI at all? by presidenteloco · · Score: 1

      "Does anyone really want to watch a game of Basketball where the height distribution of the players perfectly mirrors the height distribution of the general population?"

      No, but I want to watch a basketball game with a smart hoop that immediately adjusts its height to be propportional to the height of the player with possession of the ball.

      --

      Where are we going and why are we in a handbasket?
    4. Re:Why have AI at all? by Anonymous Coward · · Score: 0

      "Does anyone really want to watch a game of Basketball where the height distribution of the players perfectly mirrors the height distribution of the general population?"

      No, but I want to watch a basketball game with a smart hoop that immediately adjusts its height to be propportional to the height of the player with possession of the ball.

      And increases in diameter directly proportional to how many player minority demographic checkboxes are ticked.

      You can just drop the ball on the court to score if you are a high-school dropout Janist albino lesbian African-American paraplegic post-op trans.
      While a well-educated white protestant male* from a middle class family has to pound the ball into the hoop with his shoe.

      *Why are men considered a majority when they are 48% of the population?

    5. Re:Why have AI at all? by AHuxley · · Score: 1

      All your staff know is decades of AI coding, so the AI must be the only product the market needs are wants.
      The AI and its results are perfect because the smart private sector poured all its cash into that product line.
      Its a bit like the final decades of East Germany with the state saying that larger units take over all remaining smaller dynamic areas of production.
      All ability to be dynamic, to change with demand, quality, any slack or ability to ramp up was finally and fully lost.
      Capitalism is about changes around what people want. AI design about what select, sheltered developers feel everyone should be is not going to work well.
      The hope is that an AI correcting language, pushing new thinking, limiting language, hiding results and pushing inclusive trends to the top will shape generations and the world will be so much "better" sooner.
      Consider everyday text search results this decade:
      So the "just ignore all values and hardcode the one output." is the trend, just the user has pages of top results presented to think they and the AI could find something unique on their own.
      The only quest is to find the politically sensitive staff to hardcode a fake AI with the correct hardcoded results that still feels natural to older generations who can still recall real indexing results.
      i.e. the user now gets 100's of pages of safe results no matter the complexity of the search.
      The most easy way is to shrink the search pool. e.g. books. Just ban authors and publishers from been indexed and the AI will never search or find words, topics. Report the user for even trying to expand on forbidden fiction, political, historic or faith based terms.
      If a publisher risks total delisting, they will request authors stay within the AI developers standards when presenting all new material. The AI will then have nothing new to search and only find politically and historically safe material. Cults, community groups and faiths will also get to clean up any results that remain with trusted "helper" NGO's squads.

      --
      Domestic spying is now "Benign Information Gathering"
    6. Re:Why have AI at all? by david_thornley · · Score: 1

      It's illegal to discriminate on the basis of race, religion, or gender. We've decided that as a society, so that fewer people get bad treatment for things they can't change about themselves. (As a society, we usually treat religion as effectively unchangeable.) Further, it seems very unlikely that the differences attributed to race are actually a direct result of race, so you're using race as a proxy for other things, assuming, for example, that all blacks have certain (perhaps undefined) undesirable traits. If your model doesn't work if it doesn't take race into account, it doesn't model what really matters.

      Forcing the residuals to randomness means that a guy just like me, only black, will get the same loan consideration as I do, which is what we want. If your model says I get more favorable consideration just because I'm white, your model is racist. It's unfair to the black guy otherwise like me, whether or not it has greater predictive value overall.

      --
      "When you have eliminated the unacceptable, whatever is left, however improbable, must be the truthiness" - Holmes
  19. Google is ageist and evil by Anonymous Coward · · Score: 0

    Maybe we can google bomb the fact that Google treats people over 30 with less dignity than Logan's Run.

  20. You Mean Different Groups are Different?! by Jarwulf · · Score: 2

    So g00gle found out that different groups really are different in a number of relevant factors and their conclusion was that evil cisgendered bigots when seeing inferior relevant attributes are going to automatically figure out an applicant is a protected minority and in their mind are somehow going to skip over the relevant reasons to discriminate and solely discriminate against based on them being a minority and the effect will somehow be distinguishable and worse than if they had just stuck with discriminating with the relevant reasons they already have.

    1. Re:You Mean Different Groups are Different?! by Actually,+I+do+RTFA · · Score: 1

      No, Google found out that past human racist decisions are corrupting their data pool.

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      Your ad here. Ask me how!
  21. It's Life. Get over it. by Anonymous Coward · · Score: 0

    People are not equal. Get over it.
    Life is not fair. Get over it.

    I realize that you effeminate silicon valley one-worlders want so badly to deny the reality that is right in front of you but you can't. Get over it.

  22. What happens if by presidenteloco · · Score: 2

    the machine learning algorithm infers a difference which is real, but uncomfortable for us socially.

    Let's assume that we can prove that the detected difference was in the case NOT introduced by human-created input-data bias.

    I'll give an example: I'm left handed so I think I'm allowed to talk about this.

    What if the system learns that left handed people in North America die a little earlier than right handed people.
    And specifically that they die with higher frequency in car accidents.

    (I'm pretty sure both statements are true above. Reasons for it are not definite, but for the first one, can include that many tools and affordances in society are designed to be easy for right-handers, so left-handers may interact poorly with them sometimes and sometimes that bites, For the second, it may be because a left handed driver who dozes off or becomes distracted tends to pull the steering wheel a little to the left, into oncoming traffic, Right-handers tend to pull to the right, onto the on-balance safer shoulder of the road.)

    So does that mean its ok to increase life insurance premiums and automobile insurance premiums for left-handed people?

    What kind of statistically valid discrimination IS ok? Any?

    Then what do we do, in this day and age?

    --

    Where are we going and why are we in a handbasket?
    1. Re:What happens if by ShanghaiBill · · Score: 1

      So does that mean its ok to increase life insurance premiums and automobile insurance premiums for left-handed people?

      Handedness is not a legally protected class, so yes, it is "ok" to charge them more, if by "ok" you mean legal.

      What kind of statistically valid discrimination IS ok? Any?

      Plenty of forms of discrimination are legal. There are only a few that are prohibited. For instance, my company refuses to hire tobacco smokers. That is perfectly legal. Smokers have no rights.

    2. Re:What happens if by Anonymous Coward · · Score: 0

      "ok" = "legal" doesn't help us evaluate the law, though. Some actions that are legal may not be ethical. It all sort of a living thing that depends on each individual's thinking and the social contract made with others.

    3. Re:What happens if by Anonymous Coward · · Score: 0

      We don't need AI to jump to conclusions. If AI is going to be useful for this type of problem solving, it should have the ability to drill through these superficial trends.

      If left-handed people die earlier, there are actual reason's why. AI should be able to account for those reasons and whether they actually apply to a specific, left-handed individual (and to what degree).

      With AI, we shouldn't all be subjected to the lazy, limited thinking of humans.

    4. Re:What happens if by Anonymous Coward · · Score: 0

      Maybe we should use prevalence of greengrocers apostrophe's in comments as a data point.

    5. Re:What happens if by stephenmac7 · · Score: 1

      What's legal and what isn't is arbitrary. Just look at copyright law terms. Protected classes exist because there was enough political pressure at some point to make them a "legally protected class." As we're all aware, the law isn't perfect. Even though I fall into the class of left-handed young male I don't feel it's wrong to charge me more for insurance and that would be true even if handedness were a protected class. People who discriminate unfairly only hurt themselves. People who discriminate based on empirical data should be able to do so, "legally protected class" or not.

      --
      "No man's life, liberty, or property are safe while the legislature is in session." -- Judge Gideon J. Tucker
    6. Re:What happens if by rainmouse · · Score: 1

      What if the system learns that left handed people in North America die a little earlier than right handed people. And specifically that they die with higher frequency in car accidents.

      Honestly I feel that me at least, as a computer scientist is unqualified to answer this question. My scientifically orientated mind wants to yell that "It's not biased, it's just data." But I understand this is an awfully naive and simplistic answer.
      I'd rather leave the decision and therefore the consequences of that decision to someone who studies something more relevant like social sciences.

    7. Re:What happens if by david_thornley · · Score: 1

      Unfair discrimination has proven to be very stable. Something like sixty years ago, lots of establishments got more customers by excluding the black ones than they would have if they served blacks. Empirically, allowing people to discriminate at will causes more injustice than restricting some forms of discrimination.

      --
      "When you have eliminated the unacceptable, whatever is left, however improbable, must be the truthiness" - Holmes
  23. Re: As long as they're still allowed to use data.. by jader3rd · · Score: 1

    That's what I have learned about bigotry recently. I grew up thinking that bigotry was applying a conclusion to someone's behavior or outcome, which would only be true, if self reinforcing. But now being a bigot counts when applying a bias against a protected group, even if backed up research and data.

  24. Why do you say a computer/software can't infer? by presidenteloco · · Score: 1

    infer: "deduce or conclude (information) from evidence and reasoning rather than from explicit statements"

    Can I infer that you haven't read much of the last 50 years' research literature in AI, formal logic, Bayesian inference, and machine learning?

    --

    Where are we going and why are we in a handbasket?
  25. Age discrimination is government sanctioned by Anonymous Coward · · Score: 0

    The government explicitly discriminates and even mandates the discrimination in law in numerous cases. The government utilizes theft and violence against people who don't comply too.

    Examples:
    Prohibits employers from hiring minors
    Prohibits people under a certain age from driving and mandates permissions to do so (drivers licenses)
    Requires persons under a certain age to attend school
    etc.

    I don't believe in government mandated age discrimination and think people who are against the use of violence to achieve political goals should join me in New Hampshire. The Free State Project is all about increasing freedom and liberty in our life time by joining like-minded people to one place. That place is New Hampshire. There is no place in NH today that you can move and not find other activists taking aim at the state. Check out: http://www.freestateproject.org/ http://www.freekeene.com/ http://www.shiresociety.com/

  26. Judging individuals based on group attributes by WaffleMonster · · Score: 3

    The problem Google is describing isn't limited to a subset of arbitrary tribal factors society deems to be off limits.

    Entire reason for existence of these systems is making prejudiced decisions about individuals based on statistical evidence.

    You can spend all day filtering out things that will get you sued or attract bad press but this doesn't address core fact these systems are intended to make prejudiced judgments about individuals based on statistical experience and evidence.

    Being prejudiced can be practically helpful in some contexts but don't pretend that isn't what your doing, don't confuse it for fairness and don't bother making up a bunch of mystical bullshit about how your dataset or programmers are biased. Prejudice is the raison d'etre of these systems. It is what they are designed to do.

    1. Re:Judging individuals based on group attributes by Anonymous Coward · · Score: 0

      It should also be made clear that AI only predicts based on correlations, too. They're playing odds (and may not do so all that well, depending on the method of training, the quality of the data set, etc.). Correlation != causation, but what's an optimizing entity to do except follow the data it has?

    2. Re:Judging individuals based on group attributes by Anonymous Coward · · Score: 0

      An algorithm can discriminate, but it would be pointless to have an algorithm that is "prejudiced". The algo sees gender == f and decides to ignore other data because it is "prejudiced" against females?

      Yes, the point is to "discriminate" in a way that won't get you in legal trouble, but I don't see this as an attempt to work around the law. Seems like they're actually taking an extra step to respect the spirit of the law.
      Using the example from the article, consider the possibility of a loan default. You create a model to calculate this based on a number of variables.
      x1 is income, x2 is net assets, x3 is gender, etc. But, wait! Due to the fact that "female" is a protected class, then legally speaking, "gender" cannot be one of the variables you put into your model, even if you have good reason to believe it's relevant. The google guys are saying that single parenthood is heavily correlated with "female". If you were trying to duck the law and discriminate against females, you would want to include "single parent"(not a protected class) in your model. They're saying that if you genuinely do not want to discriminate against females, you probably shouldn't consider "single parent" as a variable because of the correlation.

  27. PC horseshit by melted · · Score: 3

    How can there be "prejudice" if the system _does not have cognition_? It just approximates a function. If a woman is less (or more likely) to default on a loan, it'll just say so, SJWs be damned. That's why women see ads for shoes even if they never disclosed that they are women to Google. That's also why they see fewer ads for engineering positions (women are statistically much less likely to be interested in engineering fields).

    It's a function approximation problem, and this happens to be the function that the real world data seems to support. Now you want to wreck it for some kind of affirmative action, thus decreasing its accuracy and driving an agenda of what you think the world should look like, rather than what it actually is.

    1. Re:PC horseshit by ArtemaOne · · Score: 1

      I don't agree with the full content of your post, but this does remind me of when I ordered the DVD collection of the show "Oz" from Amazon. For a few weeks I kept getting recommendations for homosexual related material, since it was a prison show on HBO, and naturally some homosexual things occurred there.

  28. that's not discrimination by ooloorie · · Score: 1

    when the information that a loan applicant is female is not included in the data set, but gender can be inferred from other data factors which are included, such as whether the applicant is a single parent

    It can be, but the concept of "gender" or "race" is meaningless to a machine learning system for loan evaluations, and it has no biases or prejudices. If a properly trained machine learning system disproportionately rejects applications of some gender or race, then that reflects an actual statistical regularity in the world, not the result of discrimination or bias. Furthermore, if you force that system to make decisions that are representative of national demographics, it will make suboptimal decisions. The Google paper actually points this out. What they do is provide a method that allows for some degree of discrimination, but even their system is still suboptimal.

    Yes, there are big statistical differences between different genders and racial groups in their propensity to commit violence, commit crimes, and repay loans. And these differences are increasing rather than decreasing because politics currently encourages a "multicultural society" and cultures differ enormously in a lot of areas.

    1. Re:that's not discrimination by Actually,+I+do+RTFA · · Score: 1

      If a properly trained machine learning system disproportionately rejects applications of some gender or race, then that reflects an actual statistical regularity in the world, not the result of discrimination or bias.

      Except it's not that simple. The statistical reality that people in Philadelphia are less likely to have insurance, means it's more likely your insurance company will have to pay money if you're not at fault. Which means that it costs more to insure a car in Philadelphia. Which means fewer people have insurance.

      This cycle is why Philadelphia has far higher insurance rates than either other cities (e.g. Pittsburg) in Pennsylvania or similar cities vis-a-vis accident and crime rates (e.g. Baltimore)..

      Hence, a bias is "baked in" to the data.

      --
      Your ad here. Ask me how!
    2. Re:that's not discrimination by ooloorie · · Score: 1

      Hence, a bias is "baked in" to the data.

      A bias is something preconceived, i.e., something you believe before taking data into account. If it's "baked into the data", it's not a bias, it's a rational inference based on data.

      This cycle is why Philadelphia has far higher insurance rates than either other cities

      Just because you can pull an explanation like that out of your ass doesn't mean it's true. In fact, the state's no-fault law combined with the generally shitty state of Philadelphia is more likely responsible than that "cycle".

      And regardless of what the causes of the higher insurance rates are, you are not going to fix them by artificially lowering them.

    3. Re:that's not discrimination by Actually,+I+do+RTFA · · Score: 1

      Just because you can pull an explanation like that out of your ass doesn't mean it's true.

      What makes you think I pulled it out of my ass. I got it from the American Economic Review. It's a prestigious publication, peer reviewed. My paraphrase is the accepted explanation, full stop.

      In fact, the state's no-fault law combined with the generally shitty state of Philadelphia is more likely responsible than that "cycle".

      Which is why Pittsburg was also examined. It had twice as bad incidents of major automotive issues (reported accidents, theft) yet had lower rates. Oh, and if you didn't know, Pittsburg is also in Pennsylvania.

      But its not isolated. San Jose is far cheaper than San Fran. Kansas City is far cheaper than St. Louis.

      A bias is something preconceived, i.e., something you believe before taking data into account

      That's certainly one type of bias. Another could be selection bias, which the data is collected from a non-representative sample. There could be all kinds of bias in collecting or analyzing the data. But here, we're talking about bias resulting from inputs being determined from prior iterations outputs, and those prior outputs having true biased human judgement as an input.

      regardless of what the causes of the higher insurance rates are, you are not going to fix them by artificially lowering them.

      I'm not sure I offered that solution, but it actually could work. If that caused insurance to be more widely carried, a new equilibrium could be established. Multiple equilibria to a solution are well known.

      Or to paraphrase you, "just because you can pull a baseless assertion that feels right out of your ass, doesn't mean it's true."

      --
      Your ad here. Ask me how!
    4. Re:that's not discrimination by ooloorie · · Score: 1

      That's certainly one type of bias. Another could be selection bias

      We aren't talking about what "could be" a bias, we're talking about loan applicants and loan outcomes. There is no reason to believe that racial bias is "baked into that data".

      What makes you think I pulled it out of my ass. I got it from the American Economic Review. It's a prestigious publication, peer reviewed.

      How nice. Nevertheless, the car insurance example you gave is not an example of "bias baked into the data", it's an example of a real statistical regularity that is property picked up by statistical analyses.

      I'm not sure I offered that solution,

      You didn't offer any solution. I was giving you the benefit of the doubt and assuming that your Philadelphia example was supposed to serve some point other than supporting my argument. Obviously, it wasn't.

  29. It would be nice, but your argument is flawed by presidenteloco · · Score: 1

    There are some systems that are so complex (people going about their lives and having a chance of dying, for example) that you will never be able to predict the particular outcome for a particular individual, no matter if your computer brain is the size of a planet.

    The best info we can ever get in advance about these complex systems is statistics about populations of the with similar characteristics in similar environments.

    --

    Where are we going and why are we in a handbasket?
  30. This message about liberal SJWs by presidenteloco · · Score: 1

    was brought to you by
    the association of resource-extraction-company security goons and the national henchmen's association.

    --

    Where are we going and why are we in a handbasket?
  31. Cavemen... by presidenteloco · · Score: 1

    Gonna protect the cave.

    --

    Where are we going and why are we in a handbasket?
    1. Re:Cavemen... by Anonymous Coward · · Score: 0

      Whatever the fuck that means...

  32. Prejudices confirmed? by allo · · Score: 1

    Let's say we put all available data in, sort out the crap data so the input is neutral.
    Then we get exactly the prejudices out. This confirms them. Period.

    This does not imply, that we should support them. This only implies, that they are there. People often jump to conclusions, that this implies causation, while it implies correlation. If some places have higher crime rate and some places have more black people there (another case of ML prejudices) and the data is correct, it's the correct decision for an insurance to raise the rates at these places. Because they can expect more cases.
    This is the point, where exactly the people who are upset by the result from the data need to act. And change the circumstances.
    For example maybe the blacks move away and the crime rate stays the same, but the black people who were associated (by the upset people misinterpreting the statistics) with the crime now live in a peaceful place with cheap insurance rates.

    So the only thing it says is: You need to interpret statistics. Data doesn't lie, but your fast conclusions do.

  33. Re: As long as they're still allowed to use data.. by Anonymous Coward · · Score: 0

    Not really. Bigotry is misused instead of racism. Bigotry is not changing your views when facts tell you to. The majority of people seeking social justice are bigots while calling others the same because the data says something different from their message.

  34. That word does not mean what you think it does. by Anonymous Coward · · Score: 0

    prejudice: preconceived opinion that is not based on reason or actual experience.

    Of course, I used google to find that definition, so
    BURN THE WITCH!

  35. Re: As long as they're still allowed to use data.. by Chalnoth · · Score: 1

    Bigotry in general is more about the systems that society has in place that combine to make it so that people with certain backgrounds are disadvantaged with respect to others. These systems are extremely varied and reinforced by a variety of societal traditions, personal prejudices, business practices, government practices, and more.

    At an individual level, bigotry involves supporting and continuing those systems of oppression, whether consciously or unconsciously.

  36. Sorting data is not 'AI' by Anonymous Coward · · Score: 0

    How can you have so many IT savy people in one place, and somehow everyone has drank the marking 'AI' koolaid?

    Really?

    Over and over, and over, thousands of posts talking about computer's sorting data, or "machine learning", as 'if it was "intelligent"'.

    It is not frigen magic, in spite of your AI pornographic fantasies, when a computer sorts data. It is no more magic than a computer doing basic math faster than a human.

    Yet, day after day, Slashdot is filled with morons sucking up the AI fantasy spin being sold them.

  37. Re: As long as they're still allowed to use data.. by jader3rd · · Score: 1

    Bigotry in general is more about the systems that society has in place that combine to make it so that people with certain backgrounds are disadvantaged with respect to others. These systems are extremely varied and reinforced by a variety of societal traditions, personal prejudices, business practices, government practices, and more.

    At an individual level, bigotry involves supporting and continuing those systems of oppression, whether consciously or unconsciously.

    I will agree with that. But sometimes it feels like in the effort to remove bigotry (which I'm all for), some legitimate differences between groups of people (which aren't in place due to society) are getting covered over, even to our detriment.

  38. Re: As long as they're still allowed to use data.. by Anonymous Coward · · Score: 0

    hahahaha. Oh, wait. You're serious. Let me laugh even harder. HAHAHAHAHAHA.

  39. Confirmation by inhuman_4 · · Score: 1

    What they are really saying is that learning machines are confirming politically incorrect beliefs. A lot of stereotypes are based on a kernel of truth, and given enough processing power and data that truth is coming to the forefront. When people were crunching the numbers is was easy to blame prejudice or some kind of *ism. But learning algorithms don't have that, they just learn patterns. What there researchers are doing has nothing to do with fostering equality, it's about avoiding embarrassing truths.

    It reminds me of when polar explorers were shocked at the "sexual depravity "of penguins so they wrote their reports in Greek and kept the truth hidden. Sometimes society just isn't ready to handle the truth.

    1. Re:Confirmation by david_thornley · · Score: 1

      Actually, we already knew about these correlations. It's not like the magic AI found that there's a statistical difference between races that we were unaware of. The difference is not that it's easy to blame prejudice on people and not AIs, the difference is that the people-based criteria were at least supposed to be designed to ignore race, while the AIs and their fanbois just treat the correlations as holy writ.

      Are you trying to tell me that someone just like me but black would have a worse chance of paying off a loan? Or does it seem that people like me are more likely to occur with pale skins, at least heavily due to cultural influences? There's plenty of reasons in this society why a black guy would be likely to be worse with a loan than a white guy, and those reasons are what the model should be taking into account if it wants to be accurate. It may be harder to get these inputs than race, and so it's nice and easy to use race as a proxy, but it's illegal and unfair discrimination.

      --
      "When you have eliminated the unacceptable, whatever is left, however improbable, must be the truthiness" - Holmes
  40. "Easy".. by Anonymous Coward · · Score: 0

    http://www.philica.com/display_observation.php?observation_id=135

    Ukkonen, T. (2016). How to prevent discrimination of machine learning models against variables such as age or gender etc. ?. PHILICA.COM Observation number 135.

  41. Re: As long as they're still allowed to use data.. by Chalnoth · · Score: 1

    There is generally far more variation within groups of people than between them, though. For the most part, measured differences between different groups have proven to be due to research that didn't fully account for researchers' and society's biases.

    Simple example: there's a stereotype that girls are bad at math. It's been demonstrated that merely reminding girls of the existence of that stereotype causes them to do worse on math tests. This is an example of stereotype threat, where the existence of the stereotype itself causes a cognitive burden: even knowing that the stereotype is bullshit doesn't prevent it from causing harm. You can bring girls' math scores back up by creating an environment where the stereotype is minimized. And, of course, if that stereotype is enforced during school for a few years, those girls will end up definitely worse at math than their male peers just because later math builds on earlier math.

    So in essence, you can't be sure that most any measured difference between two groups of people is a real difference, rather than just a difference imposed by society.