The people that are analyzing datasets, identifying clusters and creating vectors to define those clusters have math skills. Yes, there would be a percentage of that work that is skewed because every human is biased. The point is moot though as people without math skills aren’t data analysts.

By stating people are comfortable with numbers you are making an objective observation, therefore objective numeracy. Subjective numeracy is a self evaluation of mathematical skills. Your conclusion that everyone with math skills is skewing data sets is not highly probable and biased.

Not sure where they came from but they seem to be going into water colour.

All humans are biased. Natural Philosophy has progressed over 1000’s of years in spite of this. Behavioural Economics progresses as does economics and psychology.

www.linkedin.com/posts/janros...

Using heat pumps is a behavioural challenge because it is a technical/economic challenge. They don’t perform in harsher climates. They shift the energy load onto an already overtaxed grid which is also expected to heat water in case of gas replacement and charge electric cars.
#behavioraleconomics

Agreed. A gross margin of 7.4% is not a lot on a service. Over 10,000 policies it is a decent business model unless you are over exposed to a natural disaster.