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Choose Fraud Rule Tradeoff

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Your question is Choose Fraud Rule Tradeoff. Take a moment with it on the right.

Talk me through your thinking if you like. When you're confident, submit your answer and I'll grade it like a real screen (7/10 or better passes).

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Problem

If you have to choose between a rule that catches 95% of fraud but blocks 5% of good users, versus a rule that catches 80% of fraud but blocks 0.5% of good users, how would you make that decision?