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Anyone who watches football will have seen a new statistic doing the rounds. It’s called expected goals, or xG, and is a measurement of the quality of goalscoring chances and the likelihood of them being scored.
Liverpool have an xG of 2.39, which means that you would expect them to score at least two goals a game. This number is irrelevant. While other data tells you about things that happened, which allows you to make a deduction about Why a match ended as it did, xG is about what could or should have happened. It is of use only to gamblers.
In the world of personal finance we have our own xG — it’s called the credit score. It is equally as pointless, is also
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