skysight-inc/HackerNews huggingface dataset:
There was a Swedish study showing face shields WITHOUT mask don't do anything. Also a study showing people with eyeglasses get infected less, i.e. it's possible that one can get infected thru eyes, although, I thing, it's pretty rare. Let's not forget that tear ducts drain in your nose!
It is clear from their own blog post that they have communicated with the SEC in considerable detail, and the SEC has told them in no uncertain terms not to proceed. It sounds to me like the SEC welcomed the discussion, it’s just that Coinbase doesn’t like the answer they got.
A meter seems to me linked to the human body just as much as the foot.

"The metre was originally defined in 1793 as one ten-millionth of the distance from the equator to the North Pole along a great circle"

That factor of ten is because we have ten fingers. There's no cosmic significance to ten or ten million. Or to the size of a line of longitude on our particular planet.

And a meter is almost exactly a yard, or three feet anyway.
Have you checked out our product video? Most of the details are covered there: https://www.youtube.com/watch?time_continue=8&v=1RSNn0LqDYk&...

You can directly go into the builder without signing up. Just choose a template on our main page and that's it.
Amazon's Shadow Workforce in Mexico
Thanks for that link, gives great context for the US situation around the regulatory situation around commercially offered crypto lending program. There's a good summary on page 17.

From reading, the requirements you quote are specifically to be excluded under Section 3(a)3. There is also the possibility to be excluded under Section 4(a)2. Looks to me that out of those, the following points rule that out as well:

- the issuer cannot use general solicitation or advertising to market the securities

- the issuer may sell its securities to an unlimited number of accredited investors and up to 35 other purchases

- each resale of CP, including each resale by a purchaser in the secondary market, must be made in a private placement transaction

Now, my question is: How does this apply (or not apply) to interest on accounts with banks or credit unions? I think it's also quite clear that those don't apply here; is there some separate legislation (that I assume have other requirements, like holding some form of banking license) that regulate these?

Kraken has a Wyoming banking license since last year, making them federally recognized as a bank. I'd be curious to know if this means that they have a way to offer lending services that Coinbase aren't allowed to.

> They have to know this; they're a public company and have now filed SEC filings for two whole quarters.

This makes me think there may be something we're missing here. In any other case I have the impression of CB to be doing their best to play by (their interpretation of) the book. They employ some of the most competent advice in the states on compliance matters. It'd be inconsistent of them to just flagrantly ignore something like this without having any ground at all to stand on. I wouldn't blink if Poloniex/Circle or Binance US did any kind of shenanigans and excusing themselves with "regulatory uncertainty" but it's not congruent with what we've seen from Coinbase so far.

EDIT: Alternative take: CB are so worried about an exodus of liquidity if they can't match lending terms of other exchanges that they knowingly violate securities regulations to stay competitive. Under this model BA's tweets are theater. This would indicate a significant shift in values but not impossible.
Mapping Amazon
Obligatory hot take: So is Sir Tim going to advise them to add DRM to email?

To be fair though, his decision to approve EME as a web standard[0] has not had the disastrous effects that some of his critics imagined.

[0] https://www.theregister.com/2017/03/06/berners_lee_web_drm_w...
This is pretty disrespectful to people actually living under dictatorships.
Because those consenting individuals can break the economy for everyone, which happened in 1929 and 2008.

Yes, this is exactly what the GP said, but really it says everything that needs to be said. If I don’t have any involvement in the financial market, a few consenting adults can still force the company I work for to shut down due to liquidity issues.
I am surprised nearly all measures around the globe ignore the fact that the main method of infection is the aerosol one. People still damage their lungs inhaling alcohol vapors and other toxic disinfectants, still waste resources wiping stuff up, and washing frantically their hands, wear masks that do little, instead of focusing PPE on protecting the eyes and wearing aerosol-filtering masks like KN95, N95, KF94, FFP2, and higher grades!
Postman users are probably leaking their secrets to Postman's hosted servers
I suspect most people who use recent versions of Postman might not realize there's a new "sync" feature that seems to upload all of your HTTP request configurations to Postman's hosted servers. That leads me to believe that if Postman gets hacked, that will probably cause a wave of data breaches which seem imminent.
> I cannot imagine how they don’t see the SEC’s reasoning about Lend wrt Howey. If you want to argue that Howey does not apply or fight the decision/lawsuit, then fine. But feigning ignorance of something a (non-legal expert) programmer can connect the dots of instantly just makes me feel like they’re playing a PR game.

Grewal was a federal (magistrate) judge in SF before he quit to go work at Facebook. Everyone I know that has appeared before him has thought that he was very good. I'd like to give him the benefit of the doubt - his entire legal career has been patents. Perhaps he truly doesn't see how this applies. But you are right, this just seems... off.

EDIT - I've read this a few times, and despite where it says that this is not an investment or note, it sure sounds similar to the unsecured demand notes that some car companies use for their captive finance operations (in day-to-day operations, they are virtually indistinguishable from an interest-bearing checking account). And those are most definitely SEC-registered securities.

See:

https://www.rightnotes.com

https://www.wsj.com/articles/car-maker-notes-attract-investo...

https://www.ford.com/finance/investor-center/ford-interest-a...
Fisetin is a senotherapeutic that extends health and lifespan
Its a comparison to us/uk relations, that relates to the topic. It literally refers to the story as "this".
I don't feel comfortable giving someone remote access to my multi-thousand dollar hardware.
I don't know about the regulation part of it, but why shouldn't the SEC just respond to a company asking for clarification with a clarification? I'm assuming, based on the Twitter thread, that they have not done so.
What did you think would happen when you banned everyone pro-free speech from the internet for being a Nazi?

For those of us who aren't technologically retarded having a simple gpg signature means this law is completely toothless.
You're being rapidly downvoted but to play devil's advocate I wonder if you could explain why you think "American leftism" is "disturbing".
When I interview, I prep for full stack engineer roles.
Company interviewed me for full stack role and then offered me a backend position (cause I "performed very well" in the system architecture rounds).
Agreed, and this line pretty much sums it up:

> Customers won’t be “investing” in the program, but rather lending the USDC they hold on Coinbase’s platform in connection with their existing relationship.

"Give me money for a fixed period of time and I'll pay a guaranteed return on your principal. No, it's not an "investment", you're just lending it in connection with our existing relationship!"
Another anecdote: I've kept meticulous data on my own productivity for years, which has allowed me to run self-tests on the effects of sleep, exercise, substances, etc.

One thing I've consistently found is that the harder and longer I work, the more I get done -- without bound, and without burnout rebounds. It's just all shockingly linear.

It doesn't feel linear: the difference between working 12 hours versus 14 hours in 1 day can be excruciating. But when I step back and look at the graph over longer time spans, the "time spent" vs "how much I got done" relationship appears to be pretty consistent.

TLDR: I've personally convinced myself that "hustle culture" works for me.
and I use it almost every day. It's great, thank you very much!
Presumably this has been explained. Threatening a lawsuit is not an action the SEC takes lightly. Coinbase will have plenty of opportunity to contest it in court.
Imagine the net in a world where crims don't exist and resource is not wasted on security
So join them.

I do not mean ideologically. Just in conversation. More of us learning to talk with one another better is a really good thing.

The American idea of leftism varies widely, and on all axis too.

A similar thing can be found in the right.

Both have populist factions that have a lot in common. Many identify as indie too. They lack a solid party home.

Both have moderate and conservative factions too.

Authoritarianism is also on the rise generally.

All of this can be disturbing. I find the economic policy that way right now myself. Labor seems to be organizing though. Others see that as disturbing!

What I know, having had a ton of conversations in various venues around the nation is the body politic is far more complex. Everyone is listening to some loud or compelling voices and not talking with one another near enough to garner a better sense of where people are at and how policy might make a whole lot better sense.

It does not have to be disturbing. Shouldn't in my view.
Your reputation as a flagger goes down when you make a lot of false-flags (I don't know exactly how this is measured). I.e. your flags start counting for less
You’ll recall the title of this post from the David Bowie soundtrack for the 1986 Jim Henson film, Labyrinth[1].

[1] https://en.wikipedia.org/wiki/Underground_(David_Bowie_song)
Wow! This is something new. Keep going with that, I keep my fingers crossed for you! :)
> Why shouldn't I question their response?

Because you haven't read the source you're basing your claim on, you've only read about it from other people who haven't read it and are parroting it because it fits their agenda.

You do you, but that feels weird.
> his entire legal career has been patents

I'm confused, is patent experience particularly relevant to this case about securities law?
The same happened in europe (bologna convention). The ruling class realized that education can make people ask questions and they fixed this.
> N95 masks... the masks that by definition result in a 95% reduction in viral load ... you want to argue that those are "MAYBE better than nothing"?

Yes.

First, that's not what "N95" means. The material in an N95 mask is capable of filtering 95% of 0.3um particles. That's it. It has nothing to do with "viral load". If a virus travels in particles smaller than 0.3um? No good. If the concentration of larger particles in a space is enough that 5% can infect you? Same thing. Theoretical efficiency is not the same as real-world efficiency.

But far more importantly, if you don't fit such a mask properly, then the air will leak around the gaps, and the filtration efficiency of the material is largely irrelevant. Everyone I see on the street wearing (K)N95 masks has massive gaps around their nose and chin. If I can see the gaps from 10 feet away, their fancypants masks aren't doing much of anything except deflecting the air back over their head.

Can a well-fit, correctly worn N95 mask make a difference as PPI? Sure, I don't doubt it. But I guarantee that most people aren't getting close to either criterion.

Illustrative anecdote: I've had really nasty hay fever for my entire life, and I went through a period of trying N95 masks to keep the pollen out whenever I did yard work. Didn't work at all. Want to guess how big pollen is?
I run a FOSS Pi-Hole esque public DoH resolver in the most expensive way possible (over Cloudflare Workers) and it costs $2 for 4M requests. Granted the CPU slice is limited (50ms) but the IO slice (30s) is plenty for our workloads (stub dns-resolution).

The reason this is cheaper in a sense is because Workers deploys globally and needs zero devops. Per our estimates, this setup (for our workload) gets expensive once the request range goes beyond 1.5 billion a month after which deploying to colos worldwide becomes cheaper even with associated cost of devops.
In other news today: Facebook starts a payday loan business
But wouldn't then gaming companies be in the business of making money from people playing games? Not in security.

I think it's more so because banks have significant consequences if they take their customers offline all at once, when compared with gamers. Therefore improvements to security carry a higher level of risk when compared to gaming companies. Changes to the environments need to be more carefully thought out given your customer base ranges from 16 year old tech literate's to 80 year olds with no technical knowledge.

It's only how that banks are (in Australia e.g.) having to meet stringent requirements information security requirements which carry financial penalties which has moved the dial. Because it's no longer a nice to have, but a must have in order to do business.
A donkey vote isn't a blank ballot.

It's a ballot that's just been numbered unthinkingly from top to bottom.
And you are totally right
Most likely, yes. While the Constitutional Court did not explicitly say so in 1981 when they declared the law unconstitutional, the fact that the only conviction was at least highly dubious was definitely a reason to support their decision. The reason given is that it is impossible to distinguish “plagio” and free choice of the alleged victim.
Ok - seems strange, how can lending be a security?

The naïveté of this statement by CB beggars belief. If you ask people for money now in exchange for more money later you’re creating a security. The law has been on the books since 1933.
It’s not much of an “outing” to reveal that I believe the Canada they want is antithetical to my belief system, and that I find the party thoroughly disgusting and worthy of mockery.
It's not a single droplet, it's 3 + data
I think you mean "e.g. orange groves". "i.e." is an abbreviation for "id est" meaning "That is" (or you can remember it as being like "In essence"). If orange groves were the only thing with monetary value then i.e. would be appropriate. If orange groves are an example of a thing with monetary value then you want "e.g." (for example).
So? Early reddit was also quite left-ish.
Chilling, and I suspect that western governments will do very little to prevent this kind of extra-territorial control exerted by the CCP.

In a few years I expect it will be very increasingly difficult to criticise China.
And here I am building a simple API using Lumen (Laravel's stripped down, hopefully faster cousin) getting response times that are just abysmal.

The raw queries themselves are fast enough, but for some reason running them in a framework, transforming them in to a Resource and dumping it as json takes so long that I'm scared to find out what this super popular framework is even doing under the hood.

Once I learn enough Python I'd like to compare its performance to something like FastAPI. But even that probably won't come near what these recent posts are describing.

(Disclaimer - it's just a side project and I haven't really looked in to making it faster)
This is an often-overlooked point: if you make it compulsory to vote, you have to make it easy to vote.
I use terraform and ansible, one droplet has monitoring (prom and grafana), 2 run services that currently run without any other infrastructure
The rest of the cost is a 250 gb space on DO
The SEC has limited resources. I applaud their decision to go after (potential) bad actors operating at scale.

6 months is a long time for back and forth to be had. It's not like they dropped this on Brian Armstrong's desk without notice.
Are you referring to this? https://en.wikipedia.org/wiki/Fish!_Philosophy
If lockdowns are "necessary" then there are other things like taxing unhealthy foods and dedicating the economy to produce enough N95 masks that are vastly more necessary.
IANAL, but isn't the point of the Howey test that you're making investments with variable returns, where those returns depend on the efforts of others? If Coinbase is _guaranteeing_ you a 4% return, then there is no variability and the efforts of others are irrelevant. Coinbase could spend all of the money on JPEGs of my cat and they would still have to pay a 4% return to the people they borrowed the money from.
Coinbase Pro [1] definitely has free ACH deposits and withdrawals, i.e. see the Fiat Deposit (Add Cash) and Withdrawal Fees table here [2]. That said I have heard that Coinbase does need to get their support in order, although that is surprising that with Coinbase.com (I'm guessing that's what you used) they would charge you to withdrawal cash.

When buying or selling crypto on Coinbase.com vs Coinbase Pro, the trading fees are for sure lower on Coinbase Pro. However, this applies to crypto exchanges in general when you don't use their "advanced" interfaces (which are basically more like brokerage accounts with market / limit / stop orders, vs just simple buy / sell interfaces). Gemini is another offender in that regard, i.e. if you don't use their ActiveTrader interface, their fees are quite a bit higher [3].

[1] https://pro.coinbase.com

[2] https://help.coinbase.com/en/pro/trading-and-funding/trading...

[3] https://www.gemini.com/fees
For me, it wasn't a place to satisfy my intellectual curiosity.
We sort of have that with cloud computing, don’t we?
Absolutely love this. Thanks so much.

Is there a way to stream this playlist to my Kodi box. Maybe with an m3u file?
I understand the thought behind this but in practice it is a bad idea.

You put the social worker in dangerous situation by putting them on the frontline before the situation can be assessed. The social worker feels unsafe and needs to rely in the armed police. This dependency creates a bond and they become part of the thin blueline family. In the end you are back in the same situation.

The other thing to consider is a social worker is many parent's worst nightmare. If they find the smallest issue during a police call your kids could be taken away. Many people are afraid to call the police because they will call a social worker. I see this policy affecting single poor mothers in a much worse way compared to now.

The other issue is a social worker isn't a hostage / crisis manager. They are trained to do very different things.
SEC clarified that the program must not be launched or a lawsuit will follow. As to why - apparently SEC is collecting information to provide a guidance. You don’t want to rush guidance.
You can force someone to vote, but you cannot force them to vote responsibly.

How does this not also apply to similar civic obligations, like jury duty?

(I've always mentally put compulsory voting in the same box as compulsory jury duty. In both cases of course it's not really compulsory to take part, just to attend).
I never used a voting machine: do they allow the equivalent of a blank paper?
Yeah currently for me there's no tool like Rust for performance, the borrow-checker isn't that complicated.
However, last month I started adding a python wrapper around the public api so I'm slowly going your way ;)
Early reddit seemed more libertarian to me. They couldn’t get enough of Ron Paul. I’m not a libertarian, but I kind of miss those days on reddit.
Coinpedia Cardano
I love the idea of a web browser that integrates more cleanly with the operating system. I use Linux, and can definitely can see this working very well on my DE of choice (gnome)
Richard Feynman tries to improve school textbooks
In fact you aren't just perspicacious, the entire system uses actors in Rust.
I would love this as a browser extension than a separate browser!
> In general, open source maintainers owe you nothing.

My open source users donate money to me. So I feel like I owe them a lot and would never want to give them anything short of the best software in the world. It's amazing how a few bucks a month can totally change how you feel. Next time you use a piece of FOSS and find it cool and useful, consider tipping the person who made it possible!
Looks like how most consulting shops sell projects to me, everyone is always a top expert in random technology XYZ.
Lend can pay you less than 4%.

That being said, loans are not usually considered securities.

Although they are regulated by FINRA.
That's strange. Laravel should be able to handle thousands of requests a second even on the cheapest hardware.
Exactly. The same goes for margin accounts. I can see both the FDIC and FINRA having a claim to regulate these crypto lending accounts...the SEC is the last that I would expect to do so. The fact that they're trying to classify something that can't even be traded as a security is mind boggling.
There's still a few of us, but I think you hit the nail on the head with regards to being too busy.

Political reporting tends to either oversimplify things to the point it is not useful, or be so verbose that only the most committed citizens will read it.

I have started working on the idea of using knowledge graphs to fix this problem. The idea is basically representing political values/ beleifs/policies as nodes that are connected by edges representing reason (e.g. "cut income taxes" -> because -> "low taxes are good" -> because -> "high taxation makes the economy less efficent" ). This way, voters can fill out a survey of their values/beleifs and this can be compared to the graph that represents the beleifs of all candidates. Thus, instead of spending tens of hours just trying to understand the political landscape (and likely failing), voters can spend less time and have a greater certainty that they are making a good choice.

Also, evidence could be added to the graph, so that 2 people who disagree on basic ideology could easily see the basis for their differences (by diffing their graphs)
> My original comment had the purpose of questioning the validity of the "nature vs nurture" distinction. It just seems like an unhelpful distinction, but then again I'm not a biologist, just a lay person who likes their concepts tidy.

The confusion is in the difference between proximal and ultimate causes, the rest of the discussion is over the ultimate cause of certain phenotypic features being down to genetics, some other mechanism or not significant at all. You've then said "all these different things are just proximate causes and [because free will doesn't exist] the ultimate cause is the laws of physics" to which people have unsurprisingly gone "what the hell does that have to do with anything?" because, well, it doesn't.

The fact that the ultimate cause of me taking a dump is "the laws of physics" doesn't mean the proximal cause wasn't me 'deciding' to go to the loo, and the fact that you can always say "the laws of physics" (or some higher power) is the cause doesn't make talking about higher level causes any less useful.

I don't believe in free will but its such a good trick that you act as though it were true almost 100% of the time, and talking about my 'decisions' as causes is useful the same as talking about 'genetic' and 'environmental' is useful. We talk about the causes of the Big Bang usefully despite time only coming into existence when the Big Bang happened :)