Interesting read, thanks! I'll finish it later, but already this bit is quite interesting:
Without access to gender, the ML algorithm over-predicts women to default compared to their true default rate, while the rate for men is accurate. Adding gender to the ML algorithm corrects for this and the gap in prediction accuracy for men and women who default diminishes.
Jerboa is solid, but it's not feature-rich. Not great for media browsing. It's still my main client since I use Lemmy mostly for text, not images or videos.
Eternity and Voyager are worth looking at, too.