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Rulings

A claim comes in. Frank says in bounds, out of bounds or penalty stroke, and gives the reason.

Verdict: In Bounds
The claim holds up on public evidence.
Verdict: Out of Bounds
The claim does not hold up on public evidence.
Verdict: Penalty Stroke
The claim costs the company credibility.
Verdict: Ruling Reserved
Not enough evidence yet. Frank says what he needs.

Claim

An AI advisor that knows your full history.

If the history is miscategorized, the advice rides on bad data. A better driver played from the wrong tee is still out of position. The data sets the ceiling.

Verdict: Penalty Stroke

Claim

May be inaccurate or incomplete.

That is a caddie telling you the green is fast after you’ve already hit the putt. A confident wrong answer about someone’s money is worse than a limited product that says what it can’t do.

Verdict: Penalty Stroke

Claim

Your mortgage shows up as Other.

Out of bounds before the first tee shot. Users judge accuracy on the first screen, and a raw merchant string or a missing category is where they form that view.

Verdict: Out of Bounds

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Frank rules on claims and patterns, never on people.