Is that any different from a bunch of developers plugging in magic numbers into a formula that they made up, which (to a first approximation) is roughly what happens now?<p>Realistically, the outcome will be the same as it is now: those firms whose models don&#x27;t reflect reality will blow up, those whose do will get bigger, a few will get too big to fail off some very confidently-expressed models and make a lot of people mad at them, and eventually the market will straighten out who&#x27;s lying and who&#x27;s not.  Won&#x27;t be painless, but then, capitalism never is.