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Raymond A. Anderson
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Born
in Medicine Hat, Alberta, Canada, Canada
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February 2026
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“The crisis is all over and everybody has too much money. It is really a very ridiculous world. The last few times I have been here everybody was on their knees asking for money—now you have nearly to go on your knees to ask people to take it. Neither of these two extremes is very pleasant. [A love letter, 1858]”
Walter Bagehot, Mrs Russell Barrington |
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“We may have changed our gods—from Yahweh and Zeus to the Invisible Hand and the Central Bank—but the need to believe has not disappeared.”
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“The law recognised that intelligence [information] decays—like radioactive waste, but faster.”
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“What worked for the rich may not work for the poor; what worked in Johannesburg may not work in Johore.”
― The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
― The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
“The law recognised that intelligence [information] decays—like radioactive waste, but faster.”
― The Foundations of Trust: Trading in Promises: Book One
― The Foundations of Trust: Trading in Promises: Book One
“Villages may function on reputation alone; empires require paperwork.”
― The Foundations of Trust: Trading in Promises: Book One
― The Foundations of Trust: Trading in Promises: Book One
“There is no statistical manipulation that can turn manure into mink!”
― The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
― The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
“If it were possible to develop scorecards that provide perfect predictions of the future, such technology would be better off applied at the racetrack.”
― The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
― The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
“A system that remembers every debt eventually becomes oppressive; a system that forgets every debt ceases to function. Between those extremes lies the difficult art of maintaining trust.”
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“King Sophytes (Punjab, 5th century BCE) clearly understood that nothing commands respect like a bird that starts its day screaming at the sun.”
― Why did the Chicken Cross the Road?: A Student's and Intellectual's Guide and Toilet Companion
― Why did the Chicken Cross the Road?: A Student's and Intellectual's Guide and Toilet Companion
“Credit scoring is the industrialisation of trust.”
― The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
― The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
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