Brown’s 2012 response argues that personal financial advice includes human relationships and judgement beyond the tasks software can perform.An opposing opinion, not an empirical refutation. The indexed publisher body was read; direct page retrieval failed in this pass.TIBBIR UNIVERSE THIS IS TIBBIR How to get TIBBIR Ribbit in numbers Connected clues Account archive Bridge & contracts On-chain research Connections Community The story Reading room Network map Timeline Findings Source library Conversations People & companies Open questions Export & reuse