skysight-inc/HackerNews huggingface dataset:
The US has universal care, it passed in 2009 and it establishes that everyone does their part and buy insurance. It establishes help for low income individuals. There are caps on annual expenses. You may not like how it’s structured. You may not like the amount that people are expected to pay. But twelve years later the only people who don’t have coverage are people who are not meeting their civic obligations. And I’m fine with that.
> If you have a percentage copay, say 10%, they will tell you to pay $25k because it's 10%, but they might only pay $75k. In this example you clearly paid 25% but they tell you it's only 10%.

I think this is coinsurance, not copay. Copay is the $50 (or whatever) flat fee you pay every time you see a specialist. Coinsurance is a percentage of costs that you share with the insurance company, up to some maximum out of pocket amount. I believe that this percentage is always on the negotiated rate, not on the original charge.
There are some very simple CMSes you could use; not sure about how much they let you limit user input. I suppose some of them have different user categories, so if you set your client up with a "Junior Intern Reporter" account (or some such ;-) then they couldn't do too much damage.

As for the portfolio thing: Save it to the Wayback machine shortly after creating it, then link to that?
Discussed 8 months ago:

https://news.ycombinator.com/item?id=25176318

(388 points/85 comments)
Ouch, right in the nationalistic ego centre!

Swedish, please.
The reason, like almost always when things go haywire, is political leaders messed up.
Some things that could or should be learnt in schools of architecture
For people under 60 you need to give informed consent due to the (rare) blood clotting issue. From the same link:

> If you are aged 18-59 years of age, you can choose to receive the AstraZeneca vaccine:

> - following an appropriate assessment of suitability by a qualified health professional; and

> - if you provide verbal or written consent.

This extra hurdle and some mixed messaging about the risks has made many people hesitant
> I think the answer is because it’s not in their best interest to do so. They like that most consumers will look at these reviews, click through to Amazon and make their purchase with little hesitation.

I don't understand the logic here. Why exactly would Google want people to thoughlessly click on Amazon affiliate links from other sites? There's no short-term beneft, since they don't get a cut. And there's no long-term benefit, since it just risks teaching people to go straight to Amazon for commercial searches.
Sildenafil citrate is also a treatment for other problems - see e.g. [0]. That's very different to the usual problems that are treated with the codename "viagra".

[0] https://www.sciencedaily.com/releases/2007/07/070727182359.h...
Most newly issued identity cards in Europe work that way. They have a private key stored in the chip, that can be used to prove identity, without giving the ability to the other party to impersonate the citizen.

Unfortunately most places still check these type of cards visually, but I hope that electronic verification will become more common in a few years.

For example these cards can be checked very easily simply using an NFC Android phone and the right app.

In US for something similar you can look at ICAO passports and Enhanced driver's license,
Regarding 7, In my understanding, It is due to a high political price that no politician is willing to bite the bullet.
The Amazon Rainforest Is Fast Approaching a Point of No Return in Brazil
I do the same, but I think there are an increasing number of astroturf campaigns taking advantage of that, too.
This was the only way I could do it as well, formal courses didn't really help me after the basics. It's the same way I learned to program and I think some people are just wired that way.
> There was a time when you could go to the DMV and switch places with your friend right before the photo for the ID was taken.

But wouldn't that mean your friend no longer had a valid drivers license ?
If you are so unfamiliar with X that you require the advice of experts to implement it, then how can you say so confidently that the reasons to do X instead of Y are justified, even though those experts disagree?

If it's really true that the conventional wisdom about Y is just wrong, and X really is better in some cases, then it will be a long process to get all the experts to reconsider their assumptions, requiring battle-tested proof, and that probably won't happen in a single SO thread.
I'm not sure how you are arriving at your question. What I mean is that he delivers a message that is true, but he does it in the worst possible way.
> If anything, it is funding content creation in a way that works.

Affiliate programs distort content, to the point of being useless, or justify making of outright fake content.
In my own experience, reality and imagination merged.

Any logical reasoning I had was dealing with massively corrupted input. I was overwhelmed trying to separate want was real and what was not real.

The only way I could tell what was real and what wasn’t was by going off what I remembered to be true about the world. Well, part of memory retrieval got compromised too.

There are things I knew to be “true” about the world that didn’t match my mental model of how the world actually worked. That model was all that was left in the end. The only reason I came back was the episode ended. Even then, I thought the experience was a normal human response to stress.
Harson Robkus – Premiering Live on YouTube Tomorrow
A USB tester - it just reports the voltage (5V) and the current. As you can see in the video, the current hovers around 10mA, spiking to 20mA when we use the speaker.
At least for the insurance I have had over the years the insurance caps are applied prior to the co-pay. In some bills you can see the charge, and how much the insurance paid instead.

My 1 week old was in a neonatal ICU for 2 weeks. This included an ambulance run from one city to another one 1 hour away because they original NICU didn't have the right equipment.

Total bill was $97,000, insurance bumped it down to $68,000.
250k not 2.5M. But yes I agree the practice seems fraudulent.
Blame it on the user is always winning strategy, not? Google prides itself on its semantic search that can peak in the depths of your soul and understand your most hidden desires. I'd disagree and will say that asking for best bikes should give you a list of bikes that many people agree that they are good.
My first son spent a week in the NICU since he had to be on antibiotics, otherwise was fine. The hospital entered in my insurance card incorrectly so we were billed as uninsured. Turns out a week at the NICU for a healthy newborn is about $40,000!

It took almost 2 years of back and forth with my insurance provider and the hospital to clear up that bill. The hospital kept sending to to debt collectors too which was particularly annoying.

And to make it even more annoying, the hospital later changed it's policy on newborns on antibiotics - if they are otherwise healthy they don't need to stay in the NICU anymore. It would have saved us a lot of trouble.
How is this different from nuclear weapons?
> as if other countries with universal healthcare have people dying while waiting in line for care

This absolutely does happen in the UK, although I'd pick our health over the US's any day of the week.
What if the website sends "Hey, do you want to take a large credit?"?
We have IIRC ~1k VMs there. It's rather unreliable - VMs are migrated often, so you have to expect failure. But as you have to factor failure in in any case, our company's position has been that constant failure avoids complacent design, and so we are very happy with them (and they keep our mitigation systems well fit).

Working with them is nice, the APIs are a breeze, and are really dirt cheap. And they take security very seriously.
For those unfamiliar with the weirdness of the US insurance system: Nobody pays the prices on these bills. This is a pre-insurance bill with inflated values:

> Why am I sharing one of her (pre-insurance) bills?

Insurance companies have negotiated maximum allowed prices for every line item on this bill. Different insurance companies will have different negotiated rates.

The insurance companies will pay either the minimum of their negotiated rate for each service or the hospital’s biller charge, whichever is lower. As such, the hospitals will greatly inflate their costs presented to insurance companies to avoid leaving any money on the table. This bill would go through a round of price reductions with the insurance company that can be very significant (I’ve seen $1000+ pre-insurance bills turn into less than $100 after insurance negotiated rates were applied).

I’m not defending the system — Obviously it’s not great. However, it’s a mistake to look at these pre-insurance bills and assume that anyone is actually paying those amounts.

Also, US insurance policies have what’s known as an “out of pocket maximum” that is the upper ceiling on how much you can pay for medical services in a year before insurance covers 100%.

Also keep in mind that about half of US births are paid for by Medicaid, which is one of our socialized healthcare programs. The issue is often misrepresented as the US not having socialized medicine, but the reality is that a lot of US citizens are already covered by our socialized medicine programs in one way or another. The issue is the people who fall through the cracks by either not qualifying for these programs/subsidies, not being covered by their employers, and not buying a subsidized insurance plan on the ACA market.

Again, not defending the system, but I think it’s important to know how these systems work to understand why Americans aren’t actually paying these multi-million dollar pre-insurance bills, which is why the voting public is often so complacent about exploring other options.
oops yes you're right, fixed.
"Why" is something that was always a noticable omission from my math classes in school. I got by simply by learning the mechanical motions of whatever topic we were learning but there was never any cohesion to the concepts. I've been working through this book (and necessarily brushing up on my algebra which has atrophied for the same reason) and I've been absolutely loving it.
This seems like bog standard branding and customer relations stuff that any low level employee doing a customer facing job for BigCo has to deal with.

If the Waltons were media personalities and Walmart deployed controversial new tech those employees would be given scripted answers regarding those topics too.
Low level is easy (2008)
There are really bad things with the current system, but you asked a question.

People are exposed on a regular basis to the DMV, the SBA, to Social Security or to Medicare. Then they compare that experience with the avg experience with a commercial insurer, and it does feel like a better experience (of course, if their employer can afford it)

Worse, there are stories of friends in places like CAN, where insider doctors hurriedly email their friends about a new doctor X that is available for appointments, in order to skip a 6 month wait...

The system in the US is a mess, but those people reason that its the least worst option of the available choices.

If they could be given a 3rd or 4th choice, like for example, make take health insurance companies and turn them into public utilities so the "CEO" is not getting his "yatch fund" from taxpayers, that's worth talking about (as longas you don't forget to look to CA, and their wonderful brownouts + utility-enabled wildfires)
At least with some caveats, like less funds for 35+ year old parents.
The UK gives this level of care to many people routinely.
First of all, to have any hope of of reducing global warming to mild proportions, energy usage will have to shrink, and so will the economy. We are simply too far advanced for any green energy solution and magical carbon sequestration to be able to help in time while also growing the global economy. Since we also want the global south to reach decent levels of development, the rich countries will have to accept even more shrinkage in their economy to accommodate rising consumption in the poorer ones - especially those hurt the most by the last few centuries of industrial progress.

This shrinkage will happen either way, due to the effects of global warming in theatter half of this century - today, we still have an option of doing it in a somewhat controlled manner. Tomorrow we will not.

Secondly, it is important to realize that it is theoretically impossible, not just technologically, to produce a battery that has the energy density of gasoline or most fossil fuels. The best realistic batteries we can think of are about 6MJ/kg, compared to 44-50 MJ/kg for hydrocarbons. This also means that transportation will become much more expensive in the coming decades, especially for goods - a battery powered cargo ship will transport ~10 times less cargo per journey than today, and so will an electrical truck (though the truck would likely be replaced by rail transport).
Efforts at introducing single-payer healthcare in the U.S. go back at least as far as 1935.

https://www.healthcare-now.org/legislation/national-timeline...
Apple’s AirDrop and a Toy Gun Caused a ‘Threat on Board’ a United Flight
3D SDF Primitives in WGSL
A lot of insurance companies will have a 10-20% coinsurance for hospital visits, not a traditional co-pay like you went to a specialist. That 10-20% goes against the deductible, so depending on the bill you might not even pay the full 10% because it hits your deductible max.

Edit: I was informed that it's not 10% co-pay but coinsurance. So I updated my post to reflect that.
Generally government regulations like this are going to make things more expensive, not less. So these types of regulations actually give poor people fewer options.

For example, the Dodge Journey was not available in California in 2020 due to emissions regulations. This is objectively worse for poor people, since it gives them fewer options.

If taxing negative externalities causes significant cost to people who can't afford it, I'm all for subsidizing some amount of that though.
I was specifically talking about the memers that are talked about in this document. I've spoken to a lot of the guys that post the memes in this article. They just do it to troll people.

I don't know about the other parties. But UKIP until recently wasn't associated with the far-right at all. I have family members that are were part of UKIP. So I've met a lot of members over the years and most are disillusioned Conservatives. I have no idea what the party is currently doing though.

The reason such parties are growing and gaining interest is because other more mainstream parties will constantly shy away from discussing thorny political issues.
Inlets Monthly Subscription
It sounds like your description of those feminists came from his videos. You should try watching them so you have a more accurate take. Anita isn't nearly as much of a radical as she's painted.
FWIW Michael Mew is considered a crank in dentistry so take everything you hear from him with a grain of salt.

edit: nytimes piece on him and his father https://news.ycombinator.com/item?id=24246577
> But twelve years later the only people who don’t have coverage are people who are not meeting their civic obligations.

The folks at the poverty line with a "free" fully subsidized Bronze ACA plan has an enormous deductible that may be $6-12k before that coverage actually starts paying out. The ACA's max out-of-pocket for a family in 2021 is $17,100. (https://www.healthcare.gov/glossary/out-of-pocket-maximum-li...)

That's not meaningful access to healthcare for someone making $30k a year.
Ask HN
We are about to receive seed funding. Any recommendations for people/firms who can help with shareholder agreements, articles, term sheet - the lot? East Coast preferred. Also recommendations for suitable banks for startups are much appreciated.
If you have enough $$$'s, you can probably argue that in court and win... But you'd just win a refund of some of the copay.
There are many problems with our Canadian system, it's certainly not perfect. And single payer is not the only way to approach this problem. But I'm overall happy with its compromises in our system. Like any economic resource, it's rationed. But it's rationed, generally, on the basis of need. And that "from each according to their abilities to each according to their needs" philosophy may be the ideological curse on it that will prevent it from ever having adoption in the US with its virulent anti-communist past. It would never happen in Canada now, it was a product of the 1960s and early 70s and the way things were then. And it's consistently under threat from its ideological foes here, even if it's immensely popular among the Canadian public.

What boggles my mind about the US system is the blatant way it makes working people dependant on employment for health coverage. In a way it's a form of feudalism, tying people physically to their employment.
"The Second Amendment in Iraq, Combat Robotics, and the Future of Human Liberty" argues that combat robots are unconstitutional for the US to develop, because they render the second amendment useless.

http://vinay.howtolivewiki.com/blog/bigdeal/the-second-amend...
This is already possible with the German ID card (nPA). It can also verify if you are over a certain age without giving out your data. You also cannot read the nPA without a PIN code. It even includes a pseudonymity function where every service you authenticate with receives a different pseudonym so tracking isn't (easily) possible.
thunderf00t is usually spot on / correct, but his videos are extremely demeaning to the people that are wrong.

It gives off an extremely elitist feeling, which usually gets everyone just to double down on their opinions.

He's just not actually trying to teach people why things don't work, he instead does long videos showing how dumb various people are to believe the bullshit they believe in.

I wish some of the people that valued musks corps would watch some of them, as their presentations are usually pure scify that's not doable with current technology, as can be shown by literally all their product launches.

(Tesla's arent going to be self driving cars. Not 3 yrs ago when he said he'd deliver it, nor anytime soon - remember how musk said each Tesla would earn their owner $30k per year? Vacuums for Hyperloops remain impossible at scale and the solar roofs are plain uneconomical, which is why they never shipped them.)
I think we may have stumbled upon an unfortunate circumstance of how our brains work, and it's being actively exploited (like say how we agree that marketing cigarettes to kids is bad kind of thing?). We could reasonably say that we are willing to pay for content, we're just not attuned to seeing how "free" content is actually detrimental to us and is being monetized behind the scenes.

At the same time, Google/Amazon latched on to it and are taking advantage of it for their own gains. Either way, we're stuck in a downward feedback loop that's only going to make this worse until one of the big players falls over.
> The term billion here means 10^12 in old British English, ie, trillion in modern use.

Germans will feel at home.
That kind of cost sharing is called coinsurance, not copay.

Most policies have deductibles, coinsurance, and copays as types of cost sharing.

Coinsurance you pay is also against the amount that insurance pays (negotiated rate)
I think if you're afraid of people shifting the theory, then you need to pin down what the theory ISN'T and lock that in.

Just for example, you might want to lock in some ideas like

- Don't teach that racism is only perpetuated by white-people.

- Don't teach that people born today are morally/emotionally responsible for the behavior of their ancestors.

- Don't teach that skin color is the most defining thing about you

- Don't teach that any single trait means you have to see yourself as a victim, you can see yourself however you want to

I'm sure if you come up with a reasonable set of these then reasonable people can agree.
This is something that's been requested by the community and trial users, it's now here thanks to Gumroad's licensing integration.

I also took some time to explain why I built inlets and what it sets out to do differently from SaaS tunnels like Ngrok.
Monkey Island 1 and 2 is available on steam, even remastered if I remember correctly, to not damage their modern sensitive eyes that is used to high resolution graphics...
Another recommended remaster is Full throttle...also available on steam and Xbox.
Now I knew a little calculus from http://djm.cc/library/Elements_Differential_Integral_Calculu... which I had found in a used bookstore.
But I was frustrated. At the time, the famous book “Thomas” was in two volumes, and I had bought Vol. 1 in the Cornell bookstore after my junior year in HS.

So I sat in my hot, un-air conditioned bedroom in Brooklyn for the entire month of August 1967, and solved EVERY odd numbered problem in that book (the answers were in the back.)

Now I knew differential calculus cold.
The pertinent question perhaps: How much wood could a woodchuck chuck if a woodchuck could chuck wood?

Hopefully the grand kids appreciate the theory/use of Huffman!
I'm seriously doubting claim #1. Can you back it up?
These eletist are beyond tyrannical. They are rulers.
It's not perfect but I found that it was the easiest way to just get started. Japanese is intimidating but Duolingo got me started. Immersion and other material such as detailed books on the subject are still absolutely necessary but without Duolingo I'd still be planning to learn japanese instead of doing it.
The interesting discussions are not one-dimensional back-and-forth such as this one. It is when participants weigh multiple arguments against eachother and try to reach new insights.

Discussion of value-systems are just hopeless, as there's no common ground.
Imagine if any other market operated like this. You walk into BestBuy and the price of a TV is $50,000. But if you take it to the cashier you will be charged some lesser amount based on what your credit card company negotiated with BestBuy.

Madness.
FWIW, here's a financial statement of a pediatric hospital. Unsurprisingly, most of the revenue goes to wages (page 4).

https://hscrc.maryland.gov/Documents/Hospitals/ReportsFinanc...
How Can I Scrape Data from Websites and Business Directories?
UK already undergoing disruptive climate change
"lost $25M" doesn't necessarily mean they set it on fire. If the wording is changed to "invested all their revenues and a further $25M of raised or borrowed capital", wouldn't that make more sense?

The way these arguments are usually phrased doesn't do the company justice. Amazon "lost" money for decades because they were building giant and ambitious infrastructure, not setting burning in on executive parties.
Serious question

Why should I replace Google Authenticator? Since many concerns that are valid, such as (1) you don't own the data, (2) you might be banned any day and (3) your data might be used for ads, doesn't exist in this case?
Authentication and digital signatures (like for signing contracts) are usually kept separate on electronic cards. There are already standards for that.
>In a way it's a form of feudalism, tying people physically to their employment.

This is a feature, as far as major companies and lobbying organizations are concerned. It's a major reason behind the resistance to universal healthcare because the duress of losing health insurance is the only way some companies keep their employees.
I've not heard of FSI before. Thanks for the recommend.