Many financial institutions have their own-built model to estimate risk, or for risk management.
By using models, theoretically, they should make themselves within their own model's crumple zone. However, in reality, model may not be able to help them solve the problem. Bankruptcy, cutting teams, M&A...we have seen a lot last year.
At the same time, similar thing can suit in human being. Many books teaching us how to control emotions, how to hang out with others, how to build up relationship, how to present yourself....
Theoretically, bible teaches u to forgive the others; God tells you to share happiness with the others, even many other bks saying the similar stuff. They can be all in your mind. However, in reality, when you are in bad mood, when you are not happy, are you sure that you can smile immediately? Can the knowledge or technique or motto override emotion?
Somebody can, I do appreciate. But for me, still a long way to work on...
Close my eyes, swallow the tears, and a new day is coming.....