"It is worth taking a moment to drill down with real life examples. IBM Watson is used by H&R Block to make expert decisions about people’s tax returns. At the same time, governments are using AI to determine who is cheating on their taxes. Big Law uses ROSS to help its clients avoid legal risk. Meanwhile, law enforcement agencies use similar applications to decide which individuals will commit crimes and which prisoners will reoffend. Banks use AI to decide who will default on a loan, universities to decide which students should be admitted, employers to decide who gets the job, and so on."