Questiоn 18: Fоr а binаry clаssificatiоn problem (e.g., predicting bad loan vs. good loan), Model A has an AUC of 0.82 and Model B has an AUC of 0.65. A student argues that we do not need to specify a cut-off probability to decide which model has better overall discriminatory power. Is the student correct? Why or why not?
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