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    I’m working on the Borrowing Money challenge and I’m unsure about the right modeling. Is this solvable with a greedy strategy, or do we need DP / binary search over an answer? The tricky parts for me are precision (floats vs integers), large input sizes, and edge cases like zero-interest periods or ties where borrowing now vs later costs the same. Any hints on structuring the state and avoiding precision traps would be appreciated.