skysight-inc/HackerNews huggingface dataset:
Thanks. Looks like you can find call report data for all credit unions here:

https://ncua.gov/analysis/credit-union-corporate-call-report...
How does Vivaldi make money?

>Every time you search using one of the pre-installed search engines, you're helping us grow, one search at a time. Currently, we work with DuckDuckGo, Ecosia, Startpage, Yahoo!, Bing, Yandex and Neeva. The only exception is Google – we don't make money when you search with Google.

So their money comes indirectly from search engines that make money from ads.
> frankly I could not tell you whether it's more or less vulnerable to market instability or bank runs than a larger bank

For starters, there is not a conceivable credit union equivalent to VCs telling all their companies to withdraw all they can from their bank on a single day. Credit unions can offer business accounts as well as individual accounts... but still.
As to anyone with power caring, you're probably not far wrong, but it's not forgotten in the English Premier League, where one of the long-standing teams, Newcastle United, who've been playing in one form or another since 1892, were bought by the Saudi sovereign wealth fund: https://icdn.empireofthekop.com/wp-content/uploads/2021/10/S... Fans feel pretty powerless (and many Newcastle fans are dismayed too) but these protests are ongoing.
The baseband doesn't have control over the application (main) processor the way IME does, however, and Apple is rightfully distrustful of Qualcomm's security and the two are fairly stringently separated. What a baseband (or WiFi controller) rootkit can do, however, is intercept all your network traffic, and inject exploits for software bugs in the main OS.
text-davinci-001 is currently classed as "GPT 3.5" by OpenAI, and it did indeed have RLHF in the form of instruction tuning: https://openai.com/research/instruction-following

MY MISTAKE: 002 and 003 are 3.5, but 001 looks to have pre-dated the InstructGPT work.
To the people concerned about kids depressing the wages of adults, are you also concerned about low wage immigration?

Is immigration also capitalism showing its evil hand and do you oppose it because it negatively affects workers? (btw this was Bernie Sanders position until two minutes ago when his views "evolved" and aligned with the rest of the party)
How different is this from JAX in practice?
My personal bank is Bank of America. I paid the $30 to do "1 business day" I read that as if I did it on Monday it would land Tuesday. Gusto was saying it had to be funded by Monday. Perhaps it would have worked out fine that funds would be unlocked on Monday and Gusto would have been fine with wire initiated on Monday, but this was Friday and everything seemed on fire.

FWIW, Just looked at the screenshot of the wire completion and it does say "Same day". But I did it at after 8pm. Anyway, I felt I did the safest thing to keep the staff from freaking out and for me not to be too stressed through the weekend. I'll have enough headaches moving banks the next two weeks to also be worried about payroll.
> Reputable news sources and authors will not publish AI-generated content...

This news sources are not just one blob or a black box. It's different people that are working for money. And we know reputable sources that have published fictionary stories as real over years(see Spiegel in Germany). Now it's really easy to unnotable use AI, so where is the reason why this will not happen?
Thx, fixed :)
Maybe the fed should open a bank for deposits that's guaranteed but provides either tbill interest or zero interest.

It's pretty ridiculous for people to need to judge whether their bank is fiscally sound.
Not falling for promotion and groupthink.

Banking should be an 'alpha safe-haven' . Meaning you should not be looking for alpha in banking. Like gasoline, coal and bricks. They are all the same everywhere.

People went looking for alpha in banking with SVB, because of the illusion that having Silicon Valley in the name would make them somehow better than all the other banks which (very much like SVB) are also operating in a business which is 500 years old.

If you equate Silicon Valley (the place) with innovation then Silicon Valley (the name) has no business being written in front of the word 'bank'. Because you cannot re-invent the wheel in a 500 year old business, no matter how shiny is your AI or however fast is your blockchain or whatever other buzzword you are using to promote yourself to customers and investors alike.
That won't happen with the current "socialist" movement. Socialism is about _all workers_, including those who have "chud" opinions. This is the largest group of workers, by a lot - White working class, Southern and Midwestern dudes.

Look at the Far East and Europe - successful movements _do not_ bundle Drag Story Time and Workers Rights. Stalin was closer to Nick Fuentes than Biden. Same with Mao.

As long as the first issue that the DSA cares about is trans rights, the DSA will continue to be a joke at best and potentially controlled opposition at worst.
the about page explains it it's a proudly neoliberal online magazine completely focused on the cancel culture moral panic.

> Our community includes Thomas Chatterton-Williams and Garry Kasparov, David French and Emily Yoffe, Elif Shafak and Francis Fukuyama

should tell you all you need to know one way or another if you recognize any of those names from the last few years.
Wish it had rust bindings
I think only startups of a certain 'level' should be covered, but NOT their VCs, angel investors, etc. I.e. startups w/ currently under 10 mill funded/earned.

Edit: alternately they could just add upto 1 million dollars of extra FDIC coverage, but again that should only cover those w/ 10 million or less in losses. Etsy, and Roku will do fine, or can just raise more money from somewhere, or wait till the finish the FDIC process.
Obviously, the answer to this question about "most interesting" is gonna heavily depend on your specific interests, but if you're interested in 3D graphics (and creating them yourself), Blender 3D is excellent (and Free[dom]; and free[of cost]), and https://www.youtube.com/user/AndrewPPrice (Blender Guru) has excellent tutorials to help you in your journey from "noob" to "guru". ;~)
STC – Smart Template Containers for C
You've never met an elite who has called themselves an elite in your presence.

I promise you many of them define themselves as elite.
No. Someone who's happy to have a first job OR as supplemental income is not going to demand $40/hr with full benefits in those sectors. You are using a completely hypothetical scenario to justify exploiting children.
Done:

https://news.ycombinator.com/item?id=35126269
Got down voted for my comment, save yourself.

I am still figuring out participating in HN conversations but this downvote seems excessive no?
I was helping my father in the late 80s to write an accounting software for his own accounting firm. Of course I didn't know accounting, but I could write some basic stuff (in QBASIC) to help with the UI, and he installed it at some places where he was working at professionally. It was a time before you could buy accounting software in eastern europe, so everybody was writing their own.
>It’s a hard realization of how little clue so many people have about so much of the way the financial system works, and who would actually be impacted by these losses.

I think it's a little insulting to assume these people just don't understand the system. I think you have to nearly totally politically ignorant to not understand why people would feel this way. I don't know how you don't see the irony of complaining that ex-McKinsey founders shouldn't have to do due diligence on their bank, but that 18 year olds "know what they signed up for" and should have known that student loans were un-bankruptable. Many of the VCs who are now going hat in hand to Yellen are the same who opposed any sort of socialization. Why wouldn't that cause resentment?
Is that practical though? Is that standard practice?
There is no universally least astonishing thing for something with usecases as varied as excel. But I suspect that treating numbers as text is close to maximally astonishing.
CodeTyphon Studio – Free and Open Source Pascal IDE
True Color support is a big enough reason to switch from Terminal.app to iTerm2.app.

But beyond the cool Quake-style "hot key" overlay terminal that's always at the ready, once you start using other features of iTerm, you'll really appreciate all the amazing features it has!

For example:

- being able to press Cmd-Shift-E to quickly show/hide timestamp overlays for your entire scrollback

- pressing Opt-Cmd-B to open the time-slider of the Instant Replay feature to go back and grab output from the terminal that's not in your scrollback because it was clobbered by `less` messing up your screen

- pressing Cmd-/ to highlight the active cursor

- pressing Opt-Cmd-M to set an annotation at the cursor so you can quickly jump through your scrollback to them with Opt-Shift-Cmd-↑ and Opt-Shift-Cmd-↓

- want to know when a long-running command finishes? Just press Opt-Cmd-A in that window or pane to set an alert and you'll get a macOS notification when the prompt appears (be sure to enable Shell Integration: https://iterm2.com/documentation-shell-integration.html)

the list goes on and on... like `vi`, iTerm rewards study of its capabilities.

No other terminal comes close...
This effect is also well known by people who play in minor or collegiate level sports, who then move up into professional or major leagues. The distribution of good players becomes way more concentrated, for each team is now composed of all of the best players from the lower leagues, and many rookies suddenly have to achieve new levels of excellence. Many don't. Talk to most semi-pro or collegiate athletes and many of them will readily admit that they have no chance of making the professional leagues, even if they are better than everyone else on their team. The skill differential between the leagues isn't linear, it's exponential. Pro players are not just better than amateur players, they're 10x better.
That's sort of a tautology. The agencies bailed out and married systemically important banks, but also put a number of extra restrictions on them after Dodd-Frank. SVB argued that it was not systemically important and didn't need that treatment.
Then don't use them? As a reader, I certainly appreciate when people do. When writing documents or HTML I use them because it adds clarity. When typing on a web form, I'll usually use "--" because it's visually similar and much easier to type on a US keyboard. No one, pedants included, have ever tried to correct me on it.

I also use capitalization and punctuation when I type while many people do not. It'd be great if they did, since it makes reading easier and takes almost no additional effort, but I'm not going to let it ruin my day. The parent comment is about why the distinction in dashes matters and has virtually nothing to do with typography enthusiasm, but rather reader comprehension. If you don't want to integrate that information into your life, great, but that's not really a refutation. For my part, I found it interesting. Even though I use em-dashes I learned more about how they're helpful. If you don't want to use them, I'm almost positive no one is ever going to correct you.
https://johnzanussi.com/youtube
Maybe it’s not fair to compare Garry Tan to sama in this situation because Garry is the current president and sama is the former, but, it’s nice to see sama’s measured response compared to Garry’s.

Garry is shouting from the rooftops that more than a million jobs are going to be lost if the fed doesn’t immediately do something (that we all know it isn’t going to do). I wouldn’t want to be a YC startup right now, listening to Garry stoke panic.

Kudos to sama for being pragmatic and calm.
Suez canal, arms sales, preventive measures
As an owner who feels responsible to your staff, and who feels bewildered by the sudden closure of your bank, you may not trust what you think you know.

Securing alternative funding for your payroll makes sense and is commendable.
I resonate with the sentiment and wrote a post about the smol movement https://bower.sh/what-is-the-smol-web
ok but I mean that means that whatever outcome arrived at is necessarily the correct outcome. you're establishing correctness post hoc and so you will always find it. have fun tho.
Because there is incredible social utility in having the most basic form of money (bank deposits) actually retain its value without depositors having to think too hard about it.
Yes sadly, it is in fact the middle east countries that are the problem. That's why they got invaded.
It doesn't at all. If you are struggling to lose weight, give The Obesity Code book a read.
There have been losses. The order of people who have to feel the pain for that is:

1. Decision makers (the equity holders).

2. Active enablers (eg, certain creditors, possibly management).

3. Passive enablers (eg, other creditors, the startups who held money in the bank).

4. Bystanders (eg, taxpayers).
For $1mil that's fine but for say $10mil? This doesn't seem like a practical solution
I think it's common to take people you disagree with and put them in a mental bucket labeled "other". Then, you can see people opposed to all government intervention, bucket them as other, and see people who think depositors deserve to be made whole, and conclude that there is some hypocrisy going on with the latter position, because different people you disagreed with thought different things.
It probably is an exaggeration, and assigning emotion is futile and counterproductive; however, I think it's far less contentious to note that, however they might actually personally feel, both parties regularly vote for laws and actions that harm the vast majority of people i.e. the non-rich.
I want an equal seat at the table so that the other players will stop exploiting me. Until and unless you get an equal seat at the table, you can't hope to get the banks to behave. I might actually still put my money in a bank after they are forced to be aligned with my incentives. You might not be aware, but anti-money-laundering means that whatever it is that's scaring you about CBDC has already been going on for years at the banks. They also get to sell your data because all of them do it.

With CBDC I get to put in my bank what I don't want with the government and vice versa.

They are using you as leverage because you have zero leverage on them. There are bank runs and the JP morgan stock is going up, because people have literally nowhere to flee to.
> one of the largest tech companies in the world

Bigger isn't better my guy
Speak for yourself, my first jobs were flipping burgers and making pizza. Both "low skill" and paid accordingly. I could not have supported a family on those jobs but I was not trying to and they gave me experience and references as to my work ethic and character that were helpful in gaining higher skill, higher paying jobs.
If you're not a lawyer, in this case, it's not really relevant what your comfort level is with business dealings. If you're a professional with appropriately relevant skills and expertise, I'd rescind my comment.
Show HN: Codon: A Compiler for High-Performance Pythonic Applications and DSLs [pdf]
I'm beginning to wonder if a lot of the posters to these kind of thins are just young. When I was 25 I thought I had well-reasoned and insightful opinions, and I certainly had forceful opinions. But I had no depth of knowledge in things like finance and politics, and thus, had no way of knowing how much I didn't know. A few years ago I watched Ian Shapiro's lectures on "Politics in the Modern World" (a course from Yale, developed from a request to help explain the rise of Trump). I realized that I thought I had insightful opinions, but really it was just rubbish because I had no understanding of political science, recent history, or even different forms of government and their different failings.

I also felt differently about money when I was 25, because obviously I didn't have any. There was no way I could have any, because I had only been working for a few years (and junior devs were paid a lot less in those days). It seems like it would have been easy to be jealous of rich people at 25. Or just jealous of startup-employees who, judging by HN posts (/s), are all making 400k/year. In fact, I think some HN posts have claimed junior dev salaries more than what I was making after 20 years in the industry, which I could see might lead to some jealousy. Particularly if combined with a lack of perspective.
Lilium e-VTOL achieves new top-speed in test flight
You’re assuming rationality on the part of depositors. I remember there being a run on a local savings and loan in the town where I grew up when I was in my 20s. I knew a few people who had money in CDs, well below the insurance amount, who took the early withdrawal penalties to take their money out of the S&L even though they were insured and their was no chance of any loss if they just held tight. Sort of like all the people who panic sell at a loss when the stock market dips.
You're greatly oversimplifying, which might help you but it encourages ignorance of macros and how differently they're metabolized. It's well known among performance athletes that the body adapts to types of macros. Ultra marathon runners have their bodies adapt to consuming dense caloric foods (fats), as one really obvious example. Professional sports teams employ nutritionists and it's not because they need help counting calories in, calories out.

I've spent a lot of time experimenting on myself, I can eat lower calories but if those lower calories are bread and sugary crap, I don't get leaner, I get fatter and weaker.
I'm wondering if there might be a problem with your compiler setup? Do set -t to use more threads. I don't see improvement past the number of real (not virtual) cores. But I'm seeing about 100ms/token for 7B with -t 8.
The post tax amount is only slightly more than twice what your family members make, especially if they live in low tax states. It doesn't go very far in expensive states. A slightly nicer car, a somewhat bigger house, and perhaps a few years earlier retirement. It hardly qualifies as elite by any means of the word.
My favorite story was from a former coworker of mine.

He was 6’2” and a former high school basketball player. His girlfriend was about 5’7” or so and was a starting point guard for a women’s pro basketball team in Turkey.

They would play make-it-take-it to 21, he would start with the ball, and she would spot him 19 points!

He said he beat her once, and that was basically due to two lucky shots from the perimeter.
If you run a "cls" as first command in the batch file no one would notice the invalid command of the PK header either (and not get possibly confused).
Does any one have the data(or where to look for the data) on how many banks depositor's were reimbursed over and above the FDIC insured amount of 250k in the last 1-2 years of bank failures?
What if the restaurant employs 5 people? 500 people? 50,000? 5,000,000 people?

Sometimes it actually pays to evaluate breaking a policy if the harm of following it is larger than the harm of coming up with a different decision. How much does the US Treasury expect to lose in tax revenue if SVB’s customers are stuck with frozen accounts or the assets are sold at too steep of a discount just to get them resolved quickly?

The use of bailout here seems to be using a tainted term to spread taint to the victim. The restauranteur is a depositor. His assets can be very nearly made while so long as there is no fire sale on the bank assets. The “bailout” is really just providing sufficient liquidity to keep the bank working. It’s only insolvent so long as it has short term liquidity issues.
Not if it’s documented, short-term and for a very extraordinary reason.
A wire can commonly take up to two days; just FYSA.

https://www.investopedia.com/terms/w/wiretransfer.asp
This comment is a parody of justifications for child labour in the 19th century.
LLaMA 7B model running on 4GB RAM Raspberry Pi 4
I’m often left nonplussed at how many people seem satisfied with a “Enh, that’s not what’s happening this moment and it probably won’t ever happen…” for all kinds of issues.

That’s completely non-reassuring. But even worse: it’s very concerning when someone is reassured by it.

Like logistics, individual events are not really interesting or meaningful. I want to understand the possibility space.
I make a clear distinction between depositors and investors. The holders of the bank's capital - it's equity and and subordinate bond debt, are at-risk investors, and should, as I said in my original post, take a 100% haircut (assuming the bank in fact has fewer assets than liabilities.) But a depositor - who probably was earning negligible interest for parking their cash in the bank - has a reasonable expectation that their deposit is safe in a regulated bank. And the government has an interest in assuring bank customers across the country that ordinary deposits are safe in regulated banks that are adequately capitalized.
> Appropriate them, and leave small and mid businesses hanged to dry?

Yes this is exactly what I support should happen. The remaining assets can of course be used towards depositors (even beyond $250k FDIC insure). But beyond that, tough luck. In our American systems thousands, millions of people and small businesses fail and the answer is "tough luck". Their failure is too small for anyone to care. But when big banks fail government helps them, which is how this is seen as. If you have more than $250k in a bank account sitting somewhere, you're objective not destitute and you objectively do not need tax money to help you out any further. So, yes "tough luck".

This is not depositors fault, but it's also not tax payers fault. A bailout is a bailout. If depositors are bailed out, it is still a bailout.
>1950 had 10% of Americans being obese. Now 35% are. Has there been a decrease in weightlifting since then? A paucity of dieting? No, surely both of those are on record highs with gym memberships and Weightwatchers being so profitable. What about a collapse of discipline - through one of the most productive times in human history, today with lowest unemployment in 20 years?

>[...]

>Like: car dependent suburbia

It seems weird to blame car dependent suburbia for the rise from 1950. Did "car dependent suburbia" really get worse compared to 1950? Given urbanization trends, you'd think that car dependence actually went down compared 1950.
Anywhere between $100,000 and $999,999, ostensibly.
Alcoholism is in fact hereditary.
Nope. The FDIC's main concern is with individual bank failure. If people spread their money out among many banks, then they have lowered both their risk and the FDIC's risk.

If you'd like to argue that the FDIC should go further so as not to subsidize people with shit-tons of cash, I'm certainly open to that. But the increased regulatory complexity might not be worth the total risk reduction, so I'd want to see some math. I suspect it's mainly a red herring, though, as I couldn't find any sign that Intrafi is a particularly large business.
As Vonada said†, "Digital circuits are made from analog parts." On the one hand, you can simulate just about everything in the 8086 as digital.†† On the other hand, the transistors in the 8086 (and other processors) are carefully sized to produce the necessary current, taking into account capacitance and resistance and timing. For instance, the ALU has larger transistors because it was speed-critical.

†See "Vonada's Engineering Maxims": https://twitter.com/kenshirriff/status/1633154548318732289

††The only "really" analog part of the 8086 is the charge pump to produce a negative voltage on the substrate.
Brother, all of the numbers are pre-tax. People making $90,000 a year pay tax too. It's going to be more than 3 times the take home.

I didn't say it makes them elite. Nowhere did I even use the word. But these two salaries don't fall into the same bucket called "middle class". The elites aren't working jobs for money.