[Torie]

and then the errors multipied.

That really doesn't follow from the lack of a cosign. Errors would only multiply if in fact the loan were made, assuming that the mathematician were not employed at an investment banking house, or some facsimile thereof.

[Robert A Cook PE]

"That really doesn't follow from the lack of a cosign. Errors would only multiply if in fact the loan were made, assuming that the mathematician were not employed at an investment banking house, or some facsimile thereof...."

Only at first glimpse ..... But as the probablity of the loan approached zero, the ratio of the value of the siner/cosiner approached infinity.