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Mnementh said:

If you have 90% accuracy and the average accuracy is 95%, than you underperformed. If you have 50% accuracy and the average is 30%, you're a great predictor.


OK, but if the average accuracy is 95%, then the maximum interest you can earn is 5% even if you're 100% accurate, and you could stand to lose much more.  Doesn't sound fair to me.