skysight-inc/HackerNews huggingface dataset:
> The sudden account closures have put financially vulnerable customers under stress.

Of course they have. It's no accident that accounts like these are heavily marketed to people with terms like "faster access to YOUR money" and "virtually no fees" and "manage YOUR MONEY from anywhere, down to the penny!" These companies are targeting people for whom every single dollar is of vital importance.

To then yank the accounts right as a large deposit from a government agency lands is malfeasance, or at least immoral.

The vast majority of us who post on this site have plenty of money, or at least credit, in reserve so that even losing $10,000 worth of deposit isn't crippling. It's bad, for sure, but it's not "I'm homeless starting tomorrow" bad. We are not the target market for apps-that-should-be-proper-banks like Chime.

> She was directed to a passage in the company’s account agreement that states, “Chime and/or Bank may suspend, freeze, or close your Account for any reason with or without notice”

Yup, sounds about right. And of course there's a binding arbitration agreement, requiring all arbitration actions to be on an individual basis.

So customers can be turned away with no reason, no recourse, no private right of action against the offending company, and no ability to group together to push back on a larger foe.

This is, no pardon requested, fucking bullshit. I loathe that we've gotten so deep into contracts of adhesion and abstractions between supplying company and supplier and third-party relationships and "oh it's someone else's problem" and automated customer handling.
Recently moved from a town with an infestation. Returned a week later, and no exaggeration, 90% of the leaves in my neighborhood had been chewed away. Even ones where residents had taken steps to protect the tree. I'm not old but I haven't seen devastation like that from an invasive species here in Ontario before.
Shitty healthcare systems, but they're not exactly hidden. People just choose to ignore how bad they really are.
Crypto isn't as vulnerable to this, but it's just as vulnerable. POS Apps could blacklist your address and not accept payments from you just as easily and trace funds that leave that wallet and blacklist them; all in the name of fraud prevention.
IAAL but this is not legal advice.

It sounds like it depends. If the bank has good reason to believe the funds are fraudulently sourced, then it may lawfully be entitled to hold them until it can be shown (either to their satisfaction, or to the satisfaction of a court) that the funds are legitimate.
It's why I switched everything to a combination of [boring established brokerage] and a credit union that's been around for almost 100 years. Their apps are mediocre and some of the more complicated account changes require a mix of faxed forms and phone support that's only available during normal business hours. But they're unlikely to mess things up very much and they're hopefully less likely to sell or leak all of my financial and personal information. And if something goes wrong my brokerage has in-person customer support branches around the country.
Homestuck is a phenomenon that I see at the periphery of my experience on the internet… it’s always a source of interesting reading material about internet culture even for those of us who never participate.

This followup article has some interesting speculation about a key reason for the Kickstarter’s failure: https://blog.giovanh.com/blog/2021/01/14/more-on-the-hiveswa...

> … Andrew and The Odd Gentlemen committed to a development schedule that started with a design document Andrew needed to write. However, he failed to produce that document on time, which wrecked the schedule.

> … This period of limbo lasted for nearly two years of development time because Andrew wouldn’t deliver the cornerstone design document. …

> Eventually, TOG decided they had wasted too much time making comic assets for Homestuck and needed to work on [King’s Quest]

To me it looks like Andrew Hussie successfully created a moderately successful IP, but never developed the necessary management skills to run a business based on that IP of that scale.
When your relatively small banking app generates more consumer complaints than Wells Fargo, you're really doing something very wrong.

I would caution that before people try to blame the victims here ("don't use small banks!" "don't use banking apps!" etc), these things happen with large/established banks too. With accounts just being randomly locked for a "fraud investigation" that can take weeks (particularly for cash movements over 10K).

What my spouse and me are doing is we have two checking accounts at different banks with a different one of us as the primary. Pay-checks are received at one, and a scheduled transfer moves some money to the second, and bills paid from both. That way even if one of our accounts did get suspended while a hassle, we could weather is with relative ease.
Fusion will make chemical reactions that didn't make financial sense, possible.

Heck fusion might ruin the price of gold.
Building DevOps Centers of Excellence
Sure, many of these ideas have been floating around for a while.

That said, I stand by the claim that you can draw a causal line from the publishing of the Netflix culture deck and the widespread adoption of "Unlimited PTO" for example. NF wasn't the first, for sure, but their deck gained mindshare with a generation of SV executives and implemented the idea at their companies.

Similarly, I'd posit Spotify and Valve had as similar impact as major points of reference. That doesn't mean Drucker doesn't exist, but they are part of the cannon of SV company building Lore.
The first amendment is very much in tact and is not applicable here at all. Artistic freedom in the US and Europe is arguably at all-time high from a public acceptance point of view.
Does that mean that each customer has an account at one of those banks? Maybe they could call them up directly and get their money back.
I mean, it's not like it's bad to daydream the "what if", then work backwards to see if it's even possible in the real world... but what irks me is how anyone imagines any form of gov, society, or industry just needs a Thanos snap to fix them. Like Jesus Christ, watch an overview video that explains the difficulty of grocery store logistics. That's a sliver of the difficulty to run a city, state, province, country or the goddamn planet. To imagine a writer or two, with zero political, business or logistics background "figured it out"... I won't use the r word only because that insults the mentally handicapped with how stupid this line of thinking is. We're talking about the same people who get basic physics and electronics wrong on their show all the time. "Its okay, we figured out how to create the perfect society in our fictional tv show." And people take it seriously... these same folks should watch Vikings and vote for that society to be implemented. I'd enjoy that.
No but I expect the 'in mice' to be part of the headline because its quite an important detail
Walmart compelled vendors to put barcodes on product in the late 70s early 80s. I'm surprised Amazon hasn't encouraged vendors to supply "robot friendly" or "frustration free" packaging.
Absolutely, there are huge problems and it may not ever be feasible. However, I find it far more likely that we will find a way to solve these concerns than that we will develop FTL travel.
> I still never groked the use of rebase. Why not just merge the changes together? Is it just "I want fewer total commits in my history" [...]?

No, AIUI it's more about keeping logically related commits closer together. And also avoiding or minimizing merge conflicts, if you remember to rebase your feature branch back onto master/main periodically before merging it back in.

(Half expecting a run-in with Cunningham's Law here.)
Here is my implementation in python of the Poisson equation on an arbitrary 2D domain using the finite element method. I used this for teaching a course in partial differential equations:

https://github.com/daleroberts/poisson
And touching it with their bare hands getting finger prints on the canvas.
Is something like this possible with M1 Finance?
This is the first time I've heard of the term "decoupled look-back". But I see that it refers to CUB's implementation of device-wide scan.

I briefly looked at the code, and came across: https://github.com/NVIDIA/cub/blob/main/cub/agent/agent_scan...

I'm seeing lots of calls to "CTA_SYNC()", which ends up being just a "__syncthreads" (a simple thread-barrier). See: https://github.com/NVIDIA/cub/blob/a8910accebe74ce043a13026f...

I admit that I'm looking rather quickly though, but... I'm not exactly seeing where this mysterious "spinlock" is that you're talking about. I haven't tried very hard yet but maybe you can point out what code exactly in this device_scan / decoupled look-back uses a spinlock? Cause I'm just not seeing it.

----------

And of course: a call to cub's "device scan" is innately ordered to kernel-start / kernel-end. So there's your synchronization mechanism right there and then.
I suspect the lower stress of acceptance, even when it goes overboard in cases where the thing can actually be harmful, still leads to better outcomes. Stress is a well-documented factor in weight gain, for example. My covid 19 after years of losing weight is proof!

The loss came from self-acceptance. I stopped beating myself up when I slipped up, and I stopped letting other people shame me for it. That was good for 50 pounds, and I'm headed back down now that I'm vaccinated and getting as much back on track as I can. I don't have data handy, but I suspect shaming has killed more people and ruined more lives than acceptance.
Pretty sure that's the origin.
They didn't show you how trucks were unloaded into those bins. It's not using robots.
By any chance do you also consume nicotine? I've heard that they work together and that nicotine increases the speed at which your body processes caffeine, which might contribute to your lack of withdrawal symptoms.
I used a (now-defunct) app called Penny and it did this. The app was very useful for budgeting so I just had to look past the emojis.
"Rasmussen notes another major piece of new evidence against a lab origin: If Covid-19 were invented as part of a benevolent gain-of-function experiment, the goal would be to make it more transmissible, or more lethal to people, in order to study that strain in the lab. But when current strains of Covid-19 are cultured in cells in the laboratory, the virus tends to mutate fast and become less contagious to humans. "

The author presents the mutation history as an argument against a 'benevolent gain-of-function experiment.' But the key word there is 'benevolent.' And it is there on purpose. Let me formalize this:
Set(gain-of-function experiments) - Set(benevolent gain-of-function experiments) => Set(non-benevolent gain-of-function experiments).

So if it was a lab leak from a gain-of-function experiment, it is, according to Rasmussen, a lab leak from a biowarfare gain-of-function experiment.
The outer edges of the cloud seem to be at ~100K AU [0], while the α Centauri system is ~268K AU from us [1]. NASA also gives the same number [2] for the distance to the edge of the cloud. So, it looks like the Cloud extends almost halfway to α Centauri, but not that it's "closer to α Centauri than us").

As for the scale of the Universe: https://htwins.net/scale2/

---

[0]: https://en.wikipedia.org/wiki/Oort_cloud#/media/File:PIA1704...

[1]: https://imagine.gsfc.nasa.gov/features/cosmic/nearest_star_i...

[2]: https://solarsystem.nasa.gov/solar-system/oort-cloud/overvie...
Renaming it would defeat the purpose of standardisation. Instead of unifying the language, it would create confusion among users who know what Markdown is but do not know “CommonMark” or vice versa.

And no, I do not think it fair or reasonable that whoever first coined a term gets to control its meaning forever. Especially when he just reused an existing dictionary word.

Basically, Gruber is asserting that because he came up with the concept, he gets to decide that no one can fix its flaws and clear up its ambiguities, and because the problems that stance causes to thousands of people do not affect him, we can all just kiss his self-righteous posterior.
Marfa is hilarious to me. I'm from west Texas and I've driven highway 90 dozens of times, there is literally nothing out there. A complete wasteland. It's painfully boring. I don't believe anyone buying these properties are living there year round.

Alpine is a much more scenic town and it's just up the road. I'd probably buy a house there instead.
> From here we could use Bernoulli's equation to find the pressure distribution, which we could integrate over the surface to find drag and lift and so on. With a few tweaks we could simulate rotational flow, vortex panels, real wing profiles, and so on.

> With just a few simple building block we're already edging up on real computational fluid dynamics. All this just by adding up some matrices!

Correct me if I'm wrong, but the only "real" CFD you could solve with this are incompressible potential flows [0]. Solving Navier Stokes is clearly not just "a few tweaks away" from the Laplace equation, but I would be curious which tweaks would take you to e.g. rotational flows.

[0]: https://en.wikipedia.org/wiki/Potential_flow
Why would you say something like that? Most of the large and small games of the past 20 years have been built with the kind of composition patterns that Godot favors.
The price of popcorn and a soda/pop at one of the big cinemas is comparable in price to a movie with dinner at one of the local places that serves a meal with the movie. Given the choice, I know what my dinner-and-a-movie date night choice is.

What we are paying for as consumers is the experience, but the experience keeps getting worse, and the price keeps going up. I suspect this is also part of what's killing the drive-in theaters too.
It's not about new and shiny. Programming is still a relatively new field when compared to other fields. For instance, mathematics and physics took centuries to land on the right way to formalize things.

C is maybe the only good programming language invented so far. Java was a failed attempt at improving C. I think we're rapidly converging on the second good programming language, and it's not going to have null pointer exceptions.
West Texas has some kind of fatal attraction for a certain type of person, like the Ron Paul followers who tried to establish Paulville in Hudspeth County. Wrath of Gnon, much as I enjoy certain of their tweets, has that "reject modernity, embrace tradition" vibe that is also very closely aligned in several dimensions with libertarians and separatists. Compound that with the fact that land in most parts of far west Texas is incredibly cheap (because it is useless) and you can see how people fall into that trap.

I think people should just remember that if they see some incredibly cheap Texas land advertised for sale online, it was probably used at some point to spread New Jersey sewage imported by rail.

https://www.nytimes.com/1998/09/02/us/for-some-texas-town-is...
You or I won't go on this trip, but I'm sure some people are crazy/bold enough to do it.

And that's all it takes.
I don’t understand why people choose a bank based on anything except excellent customer service. Its the one thing you need from them urgently when something inevitably fucks up.
Banks have a well established situation for this. When my debit card purchased a whole boatload (literally) of shoes in China, my card and account was frozen.

But guess what, I was still a customer of the bank. I had all the resources I'd normally have: customer support.

From there, they shipped me a new card. I was still unable to buy groceries for a day or two, but I never lost access to my money.
PHP8 Containers “from scratch” using Buildah
Crypto is the wild wild west.
AKA roughly 100% of the times humans have lived in settled communities.

I would prefer to not live a roaming hunter-gatherer life.

Edit: disclaimer—“first settlement” doesn’t seem to be a settled fact. How permanent must it be? How many families? Is purposeful agriculture a requirement?
There are multiple reports that indicate the 'Long Covid' is a very real phenomenon.
Because COVID is still a pretty new decease, it is difficult to estimate what the really long-term (say 5 or 10 years) problems are.

One of the technical problems with researching this issue is that in many countries there is no national registration of the health problems of patients that were infected. For the health effects of the vaccines many countries do have some form of central registration.
That would be awful considering how hard it is to measure a developer's output.
Ex-employee of chime here, joined early on (think first 10 employees) and spent half a decade working there.

I can guess as to what is going on here.

I am not sure if my NDA still covers me talking about stuff there, but most likely is what has happened was folks either: not using their accounts (this will trigger eventual closer) or legitimately engaging in practices that would be... improper in any banking system. It's important to note that Chime is not a bank either. These closing actually most likely happened BECAUSE of Bancorp, and not because Bancorp wasn't policing Chime properly. There is a lot of CSR practices that occur there that aren't great and that is mostly due to the fact they refuse(d?) to spend the money to scale up the actual human teams as well as finding folks who also didn't want to rip chime off themselves from the CSR department (I know of one such case that I can't get into).

They are having serious growing pains which imo still is of course no excuse for not caring for the customers, but I have seen a lot of these cases and I have seen a lot of what people have been doing then run to the media to complain about, Chime doesn't just willy nilly close accounts without a serious reason. A lot of the times the customers are mad they couldn't pull a fast one on the risk team... Anyway, I am not really here to defend them. If you have any other questions I could probably answer them.

That said, I chalk this up to their massive size (well over 12,000,000 customers) and a large portion of refusing to scale up Human Resources and instead trying to use to tech to deal with a lot of this. A few complaints like this aren't all that weird, bigger banks have way more complaints and do way worse things.

Edit: I really can't talk about what I know would cause these things to happen, as, it would tip of fraudsters or people who legit have the feds after them. But the tools we used to figure this stuff out were pretty advanced.

Edit 2: In my tenure, I saw lots of systematic fraud and also saw lots of those exact people take to social media to complain about it. That is anecdotal of course. But I saw a lot of shit that would blow your minds. I also saw many individuals engaging in fraud that they may not have even realized was fraud. One such example was the everyday Jane/John trying to deposit the same check multiple times when they knew full and well it was deposited first. Not to mention the number of dick picks people sent in via check deposit. Thanks to patents from other banks I was not allowed to deploy the ML platform I built for the mobile app to capture ONLY the check and its information, as opposed to human parts that shouldn't be in the picture.

Edit 3: Again, I am not defending them, but if you are not in Finance then honestly you're out of your depth understanding what is going on here. No offense.

Edit 4: This also reminds me of the time Bancorp went down for like 3 days and everyone took to twitter to say that China hacked Chime which was both funny, sad, and scary. Of course that isn't what happened, Bancorp is just fucking shitty.
That's a good thing!

Also if Curl wasn't able to raise a substantial amount of money with sponsorship I guess no project could. So also good to see it can work in certain cases!
Isn’t that just a generational thing? Presumably this is an intentional communication choice designed to appeal to younger users. So, even though it doesn’t match your own preferred communication style, it could actually be seen as a sign of competence in knowing one’s target market and how to best reach them.
But isn't it the case that

A) petroleum products are used for other purposes?

B) carbon capturing is used to various levels of effectiveness?

C) there can be different levels of partial combustion?
That's an augmented reality sandbox! You can make one yourself: https://arsandbox.ucdavis.edu/
The Black-Scholes model and its Greeks
Yeah, probably true. My background is Jewish European and there is an obvious streak of self-improvement in that culture (or at least, there used to be....)
It also depends on whether and how the funds actually made it to the FDIC insured institution. If Chime didn’t deposit the funds or if the funds weren’t deposited in a segregated custody account FBO Chime customers (as opposed to co-mingled with Chime’s corporate cash) then it’s a lot less of a guarantee because they could be tied up with potential creditor claims to Chime’s cash.

That being said, the article makes me think this is the custody bank’s AML process at work and Chime wasn’t prepared for the customer service aspect of on-boarding a bunch of “high risk” clients and then almost immediately having those accounts closed due to the risk assessment.
> You can be brainy and do menial work.

Yes, it's called "programming".

At least 80% of programming is menial. At least. The interesting bit where you understand the problem and find the best solution virtually always takes far less time than actually banging through the code. nevermind documenting it, testing it, etc. The hardest part is simply not screwing up.

I feel blessed if 5% of my day involves actual critical thinking.
people weirdly enough really enjoy those, but marketing has gotten out of hand lately.
Shopify Business Starter Kit for Kids
The two items seem not incongruent.

According to that report, the US is a half standard deviation above the median of social mobility. It isn't charitable to characterize that as doing "poorly."
I think it's the establishment, i.e. the old wealthy families who run things, are very concerned with the migrants crisis and the real possibility to lose control.
Maybe, hopefully. But this paragraph suggests that he thought the police were onto him before he turned himself in.

> According to the news reports, the suspect said he had moved the paintings there in May after reading that the police might be onto him.
I am closer to a computer architect than an astrophysicist in qualifications, but I can confirm from recent experience: I have no ability to keep a Bonsai tree alive.
The Uber Game (2017)
They definitely could do a better job of marketing their pricing compared to the big three.

https://akashlytics.com/price-compare
This is what people mean when they say “turnkey surveillance states”: you end up 1-3 laws away from almost instant total government surveillance of all citizen activity. The trillion dollar infrastructure was built by you and me for free from their POV (we paid them to do it with taxes), and now they can just say they want to use it
Yeah, it will be great when the average person loses their private key(s) and then has no recourse to get their money back.

Let's say they have a 3rd party managing their keys so they don't lose them, well congratulations you just reinvented banking but in a way that inherently destroys the environment.