skysight-inc/HackerNews huggingface dataset:
Nor would it ever be public. If it was the banks at the top would be under FDIC tomorrow or being pressured to not be within the next month.

The 2008 crisis showed FDIC at their most effective but the vast majority of the ~100/per yr banks taken over were known well before any customer found out. The difference between them and SVB was that w/ SVB served plenty of well connected VCs who dedicated their lives to being connected to the latest market information before other VC/angel/wall st players found out. Mom and pop shops even with larger banking businesses never faced the same sort of bank run risk.

Their financial state could be kept hidden without it turning into a bank run 100x easier than a bank serving VC-connected types. So as long as the FDIC learned of problems all they had to do was move before the regular consumer bank client found out their small town bank branch was at risk, which was a much easier ask. Then once FDIC finds a larger buyer to stabilize it the customer didn't worry too much and the business is saved, although typically owned by some mega bank.

SVB was the last sort of business to survive such an information risk almost by design of their clientele.
…and for models that require 64GB of VRAM? 120GB of VRAM?

You can get a 128GB UMA mac for less than a single 48GB a100, let alone a single 96GB a100.

I think Apple got incredibly lucky here, but I don’t see how the PC world catches them any time soon. We’ve all known that UMA is theoretically better for ages, but Apple’s timing couldn’t be better. And scale economies mean they can sell the same chip to people who need 100GB of system RAM and people who need 100GB of VRAM.

If they can get their GPU / neural performance up and sort out their terrible relationship with academic research, they could snipe ML away from nvidia. It seems very unlikely, but it’s kind of stunning that it’s even in the realm of possibility.
Yes but what about academic back doors?

I was admitted to a college because I was really interested in a major they started offering and wanted to promote.

I just got one of my children admitted to a very selective private school because “wanted” to participate in a program they had just begun.

Schools always have programs and initiatives they are pushing, and give preference to students who want to use them.
https://web.archive.org/web/20230312052005/https://affectedb...
Depositors knowingly took the risk of having such large deposits there. They made this decision and should face the consequences of it, not the taxpayers.
The actual question:

Of the stars that can be seen with the naked eye, what are the distributions of each type? For example, how many are main sequence? how many are Super Red giants/white dwarfs/neutron stars...etc. What's the distribution by mass and distance?

Posting it here because that's not what I thought was meant by demographics.
Utility, not residential.
03/08/2023 was too late to do much. 03/08/2022 on the other hand....
People who comment about what "real successful investors" do are even worse tbh.
I wonder if you and I read the same series.

https://www.amazon.com/Not-Gentle-Book-One-Discovery-ebook/d...

Mark's writing style really pulled me in and I'm bummed he didn't finish the series. I still have hope that he'll get back to it one day.
Correct, also USDT management does not buy long dated treasury bonds or deposit in banks that do so. That on top of their deep relationships with every major centralized exchange means it’s very difficult to impossible for them to experience a run like USDC has.
Or, a good way to force the bank owners to face reality.

Not so easy for BSDs, REITs, ponzi schemes, etc., but should be dreadfully easy for banks
With this clarification, I'm not sure I'm understanding the distinction between a unit test and a functional test, so it's possible we're thinking the same thing. And I'm not sure there is a distinction with the languages I use, which are primarily functional languages. To me, units are functions and features that are exported by modules. With languages with immutable data and pure functions, tests are almost needed less at higher levels, because there you have easily understood compositions of things that already work.

I agree that tests have costs, but they are part of the implementation. Just throwing them out means that the implementation is only partially there. It's just a fact of nature for code. One does have to be careful to avoid doing tests just for warm fuzzies though.
and hundreds if they haven't.
See my other reply re training, employers here in WA generally want a Cert III minimum. There are jobs available but the pay is pretty poor. There are plenty of industries paying better for equally physical work (albeit not in a garden environment) and not requiring certification.
yeah https://web.archive.org/web/20230312052005/https://affectedb...
Nice job. It can be brutal getting to where you want to be, enjoy what you accomplished, not everyone understands.
React was the thing that convinced me that you can't have a non-pure reactive system.

React is complex because views aren't pure; slow because it has to rerender things that didn't change, because it doesn't actually know what changed, because views are impure; hard to program because impure views create bugs that even that extra complexity can't fix; and has all those escape hatches to change execution time and memoize things because the execution time actually has semantic value.

And that's react, that incredibly well designed thing with incredibly knowledgeable authors, that made a huge effort to think about every problem.

Non-pure reactive systems just do not work.
Harper’s magazine is great for general interest (much less pretentious than the New Yorker). One of the oldest magazines in the country.

Noema has some good stuff, although check out their advisory board. So many high profile neoliberal ghouls that the first time I saw it I thought it was a joke. It introduced me to Byung-Chul Han, for which I am forever grateful. Hope they can keep it up since they were hiring for a senior editor for a while there recently…
That small "unless" might require a full rewrite your application.
Ruby on Rails 7+
FDIC onsite at First Republic Bank tonight
I did that many and more pre tech winter.
Can we stop posting Cramer’s takes on every post about SVB?

https://news.ycombinator.com/item?id=35105975

https://news.ycombinator.com/item?id=35106202
The collapse of the regional banking sector across the country and possibly silicon valley as a whole is going to affect regular taxpayers a lot more than a few billions in temporary spending by the federal government. Doubly so because most of the funds are in risk free securities that can be easily liquidated over time. Remember that SVB is one in a long list of small to mid sized banks that made such investments in the last couple of years and now have to realize losses because of it. If left unchecked plenty more banks are going to have runs next week. The government's job is not to sit by and say "I told you so!" but do the best it can to prevent the iceberg from tipping. People forget that taxpayers made a profit on TARP bailouts and prevented the collapse of the banking system and the economy in doing so.
https://archive.ph/lWl5z
There are political forces on both the left and the right against bailing out depositors because the startup industry is hated. We need to protect our industry from further damage, including by being ahead of bank runs on other banks. If that results in triggering those bank runs, so be it.
Right, Symbolics also support long cables, but they were not optical cables, like those of TI.
I've now self-published one book and have started a second. I haven't made enough money to even pay for the cover art! But I'm doing this for myself and if it results in a back catalog that generates income, cool. If not, then also cool.
Nah, it would be surprising if they did. Most people just assume that the problem was dealt with and won't happen again. It's similar to <popular open-source software> which has backdoors discovered all the time but people keep using it.
Not very many entries, also missing major well known ones like Roku.
Ask HN: How does the brain prioritize learning, retention and skill-building?
How does our brain know what information we want learn, remember, what is important, and build skills? What is the most efficient fun way going about doing so with any skill?
Hm...

The unified memory model doesn't mean it's faster for inference. Nvidia's GPUs run circles around Apple Silicon in training and inference right now. Though a part of that is software optimization.

If anything, the reason to have unified memory SoC is to increase general efficiency, not to provide faster AI inference.

I think chip makers will instead start making their NPU (such as Apple's neural engine) really massive. It'll start to take more transistors away from the CPU and GPU. By 2033, perhaps you're buying an NPU with a CPU and GPU attached to it, not the other way around like today.

Also, 2/4/16TB of RAM will not have a 10x price reduction in 10 years. As far as I know, there's nothing in the horizon to do this. Prices will go down but it might stay relatively flat for the next 10 years.

See this chart for $/GB: https://aiimpacts.org/wp-content/uploads/2020/04/memorytrend...

Memory stopped getting exponentially cheaper some time around 2011. This is why the MacBook Air still starts with 8GB of RAM.

The one thing that maybe could have helped was Intel's Optane tech, which they abandoned last year. It's memory that sits in between the speed of DRAM and SSDs.
You mention Jurassic Park, but the fact is that movie wasn’t doable with animatronics alone. The most memorable shots in that film are CG.

I also contest your assertion that the results are more impressive than todays CGI. That’s some rose tinted nostalgia, but there’s no way to replicate some of the advanced motion and realism like the latest Planet of the Apes or Avatar with animatronics. The range of motion required is just not safe to do or cost effective.

Safety is a big one. Having an animatronic T-Rex chase a car at speed in the rain is not physically safe to execute in the same space as your main actors. The requirements are at odds. To work in rain requires materials that are hard to move, to move fast requires lighter materials and heavier motors. All of that is a giant weight hurtling at your talent. Use of lighter materials also makes them less durable or more expensive.

Furthermore, most animatronics and practical effects in film today are replaced. As much as people sell the allure of “this film is done practically”, the majority of it gets replaced with CG in post. The new star wars films tried that angle with BB-8 and Top Gun Maverick claimed the same, but they practical elements people laud were CG in the final film.
In the words of a great writer, Philipp Kerr, who unfortunately died way too young: "“In a war staying alive is a bit like playing tennis. It looks a lot easier when you’ve never had to play yourself."

From Greek Bearing Gifts, part of the fabulous Bernie Gunther's cycle.
While we can easily see that long-duration low-yield bonds are risky if interest rates rise, I would point out 2 things.

1. Financial analysts were not devoting much time to analyzing the risks from rapid rate increases, as rapid rate increases were deemed very unlikely (in part because the Federal Reserve itself had offered guidance that it was unlikely!). Furthermore, the time that was spent on analysis of this low-probability event was spread very thin (interest rate increases affect pretty much everything), and the perception of “zero risk” in T bonds would have bumped them to the end of the list for analysis, meaning even less analysis time for this outcome. Just now on Twitter I’ve seen two financial analyses praised for their prescience in this event - one from the FDIC, one from Byrne Hobart. Both of them only picked this up after the rate increases came into effect.

2. Even if there was full awareness of this risk, and plenty of forewarning that the rapid rate increase was definitely coming, the regulations as written would still permit these investments. The bank itself would probably have made smarter decisions and wouldn’t have collapsed, but that would be orthogonal to the regulations under discussion in the OP. (In my initial comment I even sketched out the argument that the regulations would have been mildly opposed to the smarter decisions.)
You have a point, but I recall reading an article recently that argued that weather forecasting is far more accurate today than it was, let’s say, ten or twenty years ago. But it also seems to be harder to predict for other reasons. I spend a lot of time watching my local weather in the Ventusky app, and I’ve noticed a lot more instability in the last several years.
Symbolics keyboards had no XMIT key. That's probably a special key possible for this keymacs key.

The Symbolics key has an END key. Enter something in a field. END ends the data entry.
The book value was predicated on holding the assets to maturity.

A bank run is a bank run, it doesn’t matter what you hold if all your customers demand their money back at once.
>such a good job of masquerading as human thinking indicates that much of human thinking isn't much more than that.

No, that doesn’t follow. It just means it roughly looks like human thinking.

Your comment is akin to saying a high resolution photo of a human has basically figured out a way to replicate humans. It looks like it in one aspect but it’s laughably wrong. Humans thought without language.
Nope. This is a commonly used scare tactic.

Tan's proposed bailout is nothing like TARP
I don't understand this criticism. The story was amazing.
Silicon Valley Bank had 80 billion dollars in assets, which includes funds from Venture Capital (VC) firms. If you have a billion dollars in assets (or a few 100 million) then you would hire lawyers, tax attorneys, and financial analysts to make sure that where you put your money is safe. Given that the FDIC will only insure up to $250,000, then those account holders that have much more than that are considered people who "should know" the risk profile of the bank they're investing in (as compared to a mom and pop savings account). These FDIC limits were put in during the 1930s and never raised with inflation (which isn't ideal).

In any case, if you have a large amount of money you're investing in a bank as opposed to the stock market then you should be primarily concerned that the bank will have a stable return that's slightly higher than inflation with a low risk profile (ie remain solvent). That means that you need to make sure that the loan book (that is, the loans that the bank is giving out) are non-risky, the treasuries that the bank has on hand won't devalue the banks asset base if the Federal Reserve decides to raise rates (another problem that SVB had), in addition to the risk profile of any other assets on hand and how much each individual asset class affects the solvency of the bank. In short, the more money that you are investing in a bank (or any other financial vehicle) the more investigation you should be making into that bank.

In simplistic terms, if you're spending a couple dollars on a candy bar you don't examine the purchase with as much attention as compared to if you were buying a car or a house. And if you suddenly have come into large amounts of money and need to make complex financial decisions I would talk to a licensed financial professional. These guys are the financial professionals and they didn't do their homework.
Usually you get somewhat more warning than this, though.

I'm an employee of one of these companies and I joined with the knowledge that it might fail, but with plans to bail quickly if it looked like it was heading that direction. Given the current size of the company I joined, I expected that to be on the scale of weeks to months, not two days.

(I do have the funds to deal with some amount of payroll fuckery, and don't plan to immediately do anything unless this gets much worse next week.)
Contrast this to the many crypto meltdowns of late. The libertarian dream is a mirage.
I know a few small business-people. They have more than 250k cash but not in the millions. They definitely spread their cash in several bank accounts. But then, they are not tech people.
There's an oxymoronic use of the term strategy.
Wondering what kind of legal exposure Kagi has here? In the United States, selling something under false pretenses (like the promise of grandfathered pricing) is fraud.
You could learn most things in a library for free. One of the big advantages of a University is being around other ambitious people at the same point in their career. The “big club” aspect is an important part of the value proposition.

We should definitely dump athletic departments, though, they are completely unrelated to the mission.
I don't think those are objectively comparable. The amount of simple but significant optimizations that are clearly achievable is many. We're in the steam can turn a wheel phase.
The use cases of large language models(LLMs)
I'm not sure what your argument is exactly. They haven't transferred the depositors' balances to new banks, they've simply issued them IOUs (receivership certificates). From what is known about the balance sheet of SVB, it will probably be between 8 and 10 years before those IOUs are replaced with dollars. You can't pay employees, the FTB or the IRS in receivership certificates. To say that it will be "no big deal" and that there will be a "minimum amount of disruption" is simply an assertion based on no evidence.
30B also loads great on my M2 Pro Mac mini that's just shy of $2K

This is insane
I'm not clear oh what is unique about the privacy concerns of AI that will drive it off of the cloud unlike other services.
> One by one, agents check into a hotel, each quietly offering a pseudonym to the guy at the desk.

This is actually the part that intrigued me the most. I'm no traveling salesman, but I've stayed at several different hotels over the years, and IIRC I was always asked to provide ID during check in. Cursory search seems to say that some states actually require it; in other cases it may be corporate policy.

So, do the FDIC agents (?) also have cover identities? Or are they forced to stay in no-name, possibly rundown and bedbug-ridden motels for the sake of the ruse?
I feel like there should be a community guideline against comments like this
I’m familiar with some very creepy attitudes the local land grant college had toward Nazi Germany.

Was this an Ivy League thing or a higher ed thing?

Much of the early 20th century was spent building US higher education around the German model.
We don't know that it's true that humans are "responsible" or "accountable" for their actions in any meaningful way. This smells like a "free will" argument.

IMHO, it's unlikely "free will" and "responsibility" are anything more than an illusion.
Interesting find

Those dials that were shaped like an 'arrow' were just something else. Very classy.
Startup industry is bad, why should we protect it? There's very few things awful enough to attract bipartisan hate.
Depositors are not at risk of being wiped out. The first 250k is insured and it looks like they will get back a lot of the uninsured portion
Author also has a pretty good channel about Elixir things: https://www.youtube.com/@underjord
> Correct, also USDT management does not buy long dated treasury bonds or deposit in banks that do so.

Wut? How would we know, they don't really share specifics. Last I know they have a lot of money in Chinese corporate bonds that will fare worse when growth slows a tad more but maybe that's outdated.
Did life improve in the post-colonial world? There don’t seem to be too many 1950s era success stories in this regard.
Of course not, but it seems perfectly plausible that human brains are machines that take sensory input and memory and predict the next muscle stimulus.
Would "enhanced prudential standards" have caught the interest rate risk that SVB was exposed to? I dug into this a bit, and it looks like the stress tests[1] that they prescribe seems to be around loan losses, not interest rate risk.

[1] https://www.ecfr.gov/current/title-12/chapter-II/subchapter-...
If the hold to maturity holdings were marked to market, it would have been apparent that there were problems. At the very least, SVB would have had to acknowledge that their holdings were not worth nearly as much as they used to be. I think the larger banks in the US are required to do this with their holdings. The FT indicated that if the US required all it's banks to adhere to the Basel III regulations instead of just the large ones, SVB would not have had the same issues either.
Everything hyped fails to fulfill expectations - that’s a truism. That said, I’m happy to give you tours of systems vastly transformed (positively) by the availability of serverless. And, it’s getting better with Step Functions which eliminates the last awful bits of maintenance overhead (updating runtimes and patching dependencies). I completely agree the traction of serverless has been underwhelming, but where it has traction the benefits are very, very compelling.
Only when it stops being funny.
There’s a 50/50 there actually. Most editors aren’t going to look at a random persons social media to decide whether to accept a short story or a poem (except maybe to make sure they’re not posting offensive screeds or something before choosing to accept a piece that already made it through several rounds of selection). There simply isn’t much time in an editors day to be fretting about picking the writers with the biggest followings.

However, some editors will ask certain writers to submit to their venues, and as you become more famous editors will (despite what they try to say) become positively biased towards you when they see your name in their queue. But that’s very different from looking you up on social media; more likely, you got talked about in the editors social circle and if you have 500 or 5000 followers didn’t matter then…
There isn't much incentive for a consumer to have 1TB of RAM in 2033 either.

AI models that require a huge amount of memory will be done in the cloud.

Will memory demand increase by 2033? Of course. Will demand reach 1TB of RAM for a consumer level computer/mobile device? No.
The first sentence is basically what Tan is proposing
MSBs fund Wall Street to compete with families for houses. Phoenix is a good case study.
This is exactly why I never hold USDC. Many stablecoins are well managed. USDC has a history of slimey behavior that has always made them appear much riskier to me than alternatives. For instance I don’t trust USDT management either, but I would trust them more than USDC management.
Don’t they have some kind of arrangements for choral singers?
It's actually an amazing movie about blue cats.
Keith Rabois?

Sexual harasser Keith Rabois? http://www.huffingtonpost.com/2013/01/26/keith-rabois-square...

Founder of effectively bankrupt OpenDoor Keith Rabois?
https://www.nasdaq.com/market-activity/stocks/open/advanced-...
Wow, that Marc Andreessen quote is incredibly obnoxious, especially given how much money his firm has thrown into an entirely useless industry.
Why not just block any requests with Ahrefs user-agent?
Sure, purely a time issue for me. I'm not the most skilled in this area, and I've got a load of core stuff I need to keep on top of.

I think we're not far off having something equivalent that can be pulled from Huggingface and run on a near consumer grade GPU.

For now, I'll hang tight and see how things progress. Don't disagree.
I love this. I first tried it with Grover in 2019 and ran into similar token issues: https://twitter.com/jonathanfly/status/1143773270451396608?l...

Looks like you don't have a 'most common/simple words' vocab restriction? That's a pretty fun one too. https://twitter.com/jonathanfly/status/1144345934857474048
But you can decide to do so only after you have a reason to do so. Which is the retroactive part.