If we have a better understanding of knowledge than we do of such justification or competence, then we can explain the latter through the former.

The correctness of much testimonially based belief is no more than minimally creditable to the believer.

Intuitive seeming is in my view an attraction to assent based on nothing more than understanding of the content that upon consideration attracts one's assent. But such understanding-based attraction can differ dramatically in epistemic quality. Some such attractions represent nothing more than superstition or bias absorbed from the culture, sans ratiocination.

When I accept someone's testimony, I am thus only a small part of the full seat of epistemic competence, which might include many others in a long chain. My own contribution might then be slight, just through the perceptual and linguistic competence involved in knowing what someone is saying or writing, etc.

The risk pertinent to a particular attempt (and to its evaluation as an attempt of its sort) is the risk that the agent will fail to attain the end constitutive of that attempt. This risk of failure is coordinate with how likely or unlikely it may be that the agent will then succeed.

It is possible to produce something that is grammatical either by chance or under the supervision of another. To be proficient in grammar, then, one must both produce what is grammatical and produce it grammatically, that is, in accord with knowledge of grammar in oneself.

We need some standard that will determine how likely a belief is to be true given just that it is stored in one of us, including strangers that one can ask for directions, and with whom one might collaborate.