I would like to acknowledge the amazing pool of talent of analytic and business thought leadership that I have been associated with over the last two decades in the vibrant San Diego analytics community. Specifi - cally, my mentor Krishna Gopinathan, who in my opinion is the father of data science. In the mid-1990s, when no company had thought of (much less succeeded in) commercializing artifi cial intelligence–based models for risk management, he created an environment at HNC Software that brought together the best minds from multiple deep applied science and engineering disciplines. This led to some world-class thinking and pioneered the use of sophisticated nonlinear techniques, such as neural networks, which he made the de facto standard across the world. The scientists he groomed at HNC have gone on to lead several large companies in data science, and they continue to infl uence the world of data-driven decisions greatly. This association has infl uenced my thinking very profoundly.