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Chart 81: What do you expect to be the main driver of success for robo advisors?
document IMAGES-002-HOUSE_OVERSIGHT_014369.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Chart 81: What do you expect to be the main driver of success for robo advisors? 50% 45% 40% 35% 30% 29% 20% 15% 10% 5% 0% A low and An efficient | Advanced portfolio Department of Access toa transparent cost technology and construction that — Labor fiduciary human in volatil...

First Bancorp Puerto Rico (FBP)
document IMAGES-002-HOUSE_OVERSIGHT_014382.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

First Bancorp Puerto Rico (FBP) We use a three-factor valuation framework (P/TBV, P/E, DCF) to arrive at our $6.50 price objective. We assign a 1.0x multiple to our 2Q17E TBV, below the 1.6X for peers, due to the overhang of PR fiscal issues that may reduce TBV. Our revised impl...

Kirkland & Ellis LLP
email TEXT-001-HOUSE_OVERSIGHT_010723.txt May 19, 2008 House Oversight Committee — Epstein Estate Records (Nov 2025)

Kenneth W. Starr Kirkland & Ellis LLP 777 South Figueroa Street Los Angeles, CA 90017-5800 VIA FACSIMILE May 19, 2008 Honorable Mark Filip Office of the Deputy Attorney General United States Department of Justice 950 Pennsylvania Avenue, N.W. Washington, D.C. 20530 Dear Judge Fil...

Re: Mechanisms for learning
email TEXT-001-HOUSE_OVERSIGHT_025954.txt Jul 23, 2016 House Oversight Committee — Epstein Estate Records (Nov 2025)

From: Joscha Bach__________________________ Sent: 7/23/2016 10:02:05 PM To: jeffrey E. [[email protected]] Subject: Re: Mechanisms for learning Importance: High Am 23.07.2016 urn 04:41 schrieb jeffrey E. <[email protected]>: Cells seem to be mostly indistinguishable (exce...

the risk is that yields would stay low or fall
document • With the increased likelihood of further quantitative easing House Oversight Committee — Epstein Estate Records (Nov 2025)

the risk is that yields would stay low or fall

86 4 Brief Survey of Cognitive Architectures
document IMAGES-002-HOUSE_OVERSIGHT_013002.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

86 4 Brief Survey of Cognitive Architectures The LIDA cognitive cycle itself is a theoretical construct that can be implemented in many ways, and indeed other BICAs like CogPrime and Psi also manifest the LIDA cognitive cycle in their dynamics, though utilizing different particu...

The J.P. Morgan View: Local forces are dominating
email TEXT-001-HOUSE_OVERSIGHT_031114.txt Mar 29, 2013 House Oversight Committee — Epstein Estate Records (Nov 2025)

From: [email protected] To: Undisclosed recipients:;; Subject: The J.P. Morgan View: Local forces are dominating Sent: 3/29/2013 8:48:11 PM Attachments: JPM_The J.P. Morgan View_2013-03-28_1084792.pdf Global Asset Allocation ________________________________ The J.P. Morgan...

Tax reform screens
document IMAGES-007-HOUSE_OVERSIGHT_023087.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Tax reform screens Lower US corporate tax rate: potential beneficiaries Below we provide a screen of domestically-oriented S&P 500 companies (<10% foreign sales exposure} with a high (>35%) median 5-year effective tax rate which could potentially benefit most from a lower US co...

of the temptation, but more costly if the temptation is high. Thus, if the temptation is
document IMAGES-009-HOUSE_OVERSIGHT_026524.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

of the temptation, but more costly if the temptation is high. Thus, if the temptation is low, player 1 gets a > 0 if she cooperates and q > a if she defects. If the temptation is high, she gets a if she cooperates and cp, > c if she defects. We assume that cooperation benefits th...

or are too “high frequency” (like static) rather than “low frequency” (more
document IMAGES-004-HOUSE_OVERSIGHT_016910.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

or are too “high frequency” (like static) rather than “low frequency” (more continuous, like actual real-world features). Just because AI systems sometimes end up in local minima, don’t conclude that this makes them any less like life. Humans—indeed, probably all life-forms—are...

increase its defense spending. Under Prime Minister Abe, the defense budget has
document IMAGES-002-HOUSE_OVERSIGHT_014419.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

increase its defense spending. Under Prime Minister Abe, the defense budget has expanded by 7% but has been kept at roughly 1% of GDP, in keeping with historical guidelines. This is small by international standards and more likely than not will rise in the coming years (Chart 24}...

Chart 42: How do you view SNV’s partnerships with online lenders (SoFi/GreenSky)?
document IMAGES-002-HOUSE_OVERSIGHT_014343.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Chart 42: How do you view SNV’s partnerships with online lenders (SoFi/GreenSky)? 70% 60% 50% 40% 30% 20% 10% 0% Positively. Creates another Cautiously. Unsure how these Indifferent. The exposure is avenue for loan growth loans will perform duringa —_ relatively small so does n...

best risk return."
document IMAGES-007-HOUSE_OVERSIGHT_024138.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Summary "With the global economy continuing to muddle through, we believe that US corporate bonds offer the best risk return." 36 UBS Economy The successful formation of a Greek government after the June 17 elections has reduced the risk of an imminent Greek exit from the Eur...

profits. Because the value of their contracts was largely limited by
document IMAGES-005-HOUSE_OVERSIGHT_019702.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

214 | HOW AMERICA LOST ITS SECRETS profits. Because the value of their contracts was largely limited by competitive bidding, their business plans were predicated on their ability to minimize the costs of fulfilling these contracts. Their prin- cipal cost was the salaries they pa...