We understand that the consulting firm of Arthur D. Little is at work on an "artificial-intelligence lending program" for bankers. The software, we are told, will model the decision-making process of senior lending officials at a financial institution, with the goal of helping the bank's junior lenders make equally wonderful decisions about the creditworthiness of small businesses. We have a better idea. Why not scrap the software and see if we can't put some nonartificial intelligence into the lending programs of the senior officials?