At Cashcall, my manager asked me to solve a problem. Delinqencies in Florida were much higher than the model expected. I worked on it a few hours and found that if I introduce a new variable – number of credit and debit cards – delinquencies went down drastically saving us millions of dollars. Then the COO, our billionaire CEO and owner’s mistress started claiming that idea as her own. My manager asked me to accept it. I did.