The last article was off in interesting way (see the community bank commenter), this is more off.<p>I suppose they are written as if broadly true and without caveats, but in practice are drawn from relatively specific types of experiences that are not reflective of the whole.<p>In this article, I’d say most aren’t sited like this. Might appear like this, but this was not the algo. In the prior article, it’s possible a large set of small or regionals thought like that, but most megas do not, albeit with various ways of differing.<p>Good reads though, always well written and enjoyable. Just keep a YMMV in mind.