I can understand models. I can complete complex valuations. I can assess risk. I cannot will biology into compliance.

Charlotte has forced me to confront the limits of expertise.

In business, we sometimes overestimate our ability to engineer certainty. We build systems. We write policy. We construct projections.

All necessary. But humility reminds us: Expertise reduces risk. It does not erase it.

The wise lender and the wise leader know the difference.