skysight-inc/HackerNews huggingface dataset:
It doesn't have to be all or nothing, and the current cap on insured deposits is a nice balance.

Small depositors aren't finance pros, they don't have the training or network to monitor bank management, so we protect them from rogue management.

Large depositors can and should worry about their bank's solvency, so we focus their minds by leaving their deposits uninsured.

Unfortunately, when large depositors catch a whiff of insolvency, they don't help fix the problem, they're first to pull their deposits and leave everyone else to pay the bill.

So we should treat them as we treat creditors in a bankruptcy, and claw back the cash they were able to withdraw in the days leading up to the bank's closure.
Strong Opinions Loosely Held
List of Countries by Income Equality
> Oh, and that 500-line shell script probably ends up being a 5000-line Python monster anyway.

Agreed on avoiding rewrites if possible but 1/10 ratio is laughable.
It’s been proven that shifting between the two time offsets kills people.

Here’s one example article that discusses this.

https://www.businessinsider.com/daylight-saving-time-is-dead...

Stopping this is more important than picking the right offset to stop it at.
UTC everywhere. jonstjohn's dream is realised, in 2052, after decades of work. In a world unifying moment, religion, country divergence and politics aside, the entire planet falls into the gentle embrace of UTC.

17 seconds later, Mars declares itself UTC+1.
> They should have been rebalancing.

How would that have helped?
Some of those images showed the infant with surprising muscle definition. With those arms, it looked like that baby was about to deliver himself.
How does a 7b model compare with 170b parameter GPT3? Worth it?
We are beyond the point where the music will stop. In the last 15 years we have entered the full simulation. Short of a nuclear bomb going off on American soil, there is seemingly nothing that the upper class won't wish away with make-believe. When the class divide becomes great enough, the powerful can dictate reality. Something needs to tangibly get severely messed up for the emperor to admit he's not wearing clothes. Currency is not tangible enough, and there's plenty of room for people to escape with golden parachutes.
My guess: SVB collapse took everyone including the FDIC by surprise. It has unfolded very quickly. Bill Ackman makes the point that the FDIC/government should have realized their exposure and been monitoring them much more closely. This is likely a valid point.
Let me sum this up for you, "Privatize the profits and socialize the costs"
If you are short via options you have limited risks but you pay the premium
> with almost no changes to my scraper

Thats the killer feature.
>putting files names "$HOME" and similar in his home directory

If you do this, the fallout is on you. Does he also make files called `~`?
If he gets what he wants, I guess if you are rich you get no risk.

What about all the people who lost what to them was a lot of money in 2008, did the Gov protect them ? I do not think so. All this shows is who runs the US, not the voters but the people who has a big stake in Wall Street.

What should be done, the execs of SVC pays up for not paying attention to to what the Fed was doing.

There was another story about SVC execs selling their stock before the issue became known. Will they get in trouble, I doubt it but you can be sure they will still get their large bonus.

EDIT: added https://news.ycombinator.com/item?id=35104396
20+ year ExRx crew checking in, so no.
In 2020 they doxed and pretty directly threatened the mayor's daughter after he publicly voiced an incredibly mild criticism of their brutality during the protests. He immediately switched to completely pro-police public statements, which I guess I can't really blame him for.
French Foreign Legion was a famous example of putting people in service instead of expensive prison time.

https://en.wikipedia.org/wiki/History_of_the_French_Foreign_...
If you can't trust them to buy good assets you sure can't trust them to issue them
The HN crowd are or think of themselves as owners of companies, not workers in them. I’m not even a little surprised the general attitude is anti-worker.
The question is if the script outgrew its original intended lifespan.

In my opinion, shell scripts should be used either as glue or due to portability reasons.
Rewriting a perfectly good and working script just because makes no sense.

So if the script started as some quick and easy way to deploy to prod but slowly becomes a massive cli "one tool to rule them all" kind of thing.. maybe it's time to change course.
The main way you make the math work is that it’s a family run business where you and your spouse are owners and workers. That takes two FTE off the table, paying you out in profits instead. But as the article describes, you’ve signed yourself up for a full-time job mopping at a high-risk low-margin business.
I don't think that's likely. Other stats I've seen indicate over the past decade or two, uninsured depositors have been paid something like 75 cents on the dollar on their uninsured accounts. This would indicate the FDIC, if they don't find someone to buy the bank and make everyone whole, will liquidate the assets and pay out the accounts over a pretty short term
From last year...

https://www.washingtonian.com/2022/03/15/the-us-tried-perman...

https://wapo.st/3FcsPE0

https://www.npr.org/2022/03/19/1087280464/the-u-s-tried-perm...

It takes about a generation for people to forget about how bad the DST approach is. If it is to be locked into a time, standard time is better... but not as good for states further south where sunset is later.

Winter solstice:

Where Sunrise Sunset
Minneapolis 7:48 AM 4:34 PM
Houston 7:15 AM 5:27 PM

Shifting the time to sunrise at 8:48 and sunset at 5:34 in Minneapolis lacks the impact of shifting sunset to 6:27 PM in Houston.
Airlines do often have some gradations of seats and service within economy but, yeah, I don't think BA is even running its LCY to JFK business class-only service these days. (And if business class on a mixed class plane is going to be a luxury good, you might as well charge a big premium on it (as well as making it a perk for very frequent flyers).
Yes. And with weddings, it's not just making 'sales'. It's managing complicated families and personalities on the day. E.g. getting them all together for a group shot, and a lot of group shots.
It also depends on your east-west location in the time zone. I’m in Boston. My opinion is likely to be different than someone who lives in western upper peninsula Michigan (most of UP shares a time zone with Boston and Boston isn’t nearly the easternmost point in the time zone).
For sure. This got me thinking about how humans need special equipment to survive long even 1m below the surface, and the problems just get worse with depth. Wikipedia has nice coverage of the way we've iterated deeper and deeper: https://en.wikipedia.org/wiki/History_of_underwater_diving
It’s killing people. It provides no tangible benefits in a world with artificial lights. The offset we pick won’t really matter, but stopping the switch twice yearly will save lives.
This guy lost all credibility re: this stuff after his meltdown on CNBC
Not to single you out JohnFen, but I'm seeing this take in many places, and it is very wrong. The risk here is being attributed to the wrong place. A startup checking account should be low risk, it is just plain cash as it comes in from sales and/or funding round investments. No derivatives, no funky illiquid stuff, just cash. The activities of the startup _may_ be risky, and it can totally fail because of that...by running out of cash, that should be safely and easily available in a deposit account. A startups cash can hit zero, but they expect to be able to access it so that it can hit zero!

So the argument that by the mere fact SVB banked startups as customers was more risky than big banks is not quite precisely right, as big banks have business accounts and plenty of startup customers too. But as other comments have mentioned things were often made quite hard for them there, and SVB was the better product to startups...as just a literal checking account for day to day operations.

The giant risk management failure was in how SVB managed the deposits and indeed the mismatch of the assets it held against them. We all know the long dated UST issue now. Their deposits ballooned so quickly over the last 18mo, the mistake was to put them into such long locked up bonds immediately. A better approach could have been to assume that money could "come out as fast as it came in", and to have held shorter duration securities, shorter maturity bonds, money market funds, repo market commercial paper etc. Then as the steady state pattern emerges post this influx of deposits, then make a better risk management based decision of what proportion to now put in longer dated assets, medium dated assets and shorter dated ones.

And above this specific risk, clearly in hindsight, there was an overall systematic risk in having a non-diversified customer base who all consume the same information sources, highly networked and correlated with each other in their behaviour.
But like... this isn't a wound?

The fact that something causes me anguish isn't the only factor in whether other people should be allowed to do that thing.

E.g. maybe I've had traumatic experiences around being called stupid, and whenever I perceive others as thinking I'm dumb, I remove those experiences. Should it be illegal for people to call me an idiot in such cases?
Steel Guitar Player and Online Advocate Bobby Lee [B0B] Has Died
The simple answer is that caffeine and refined sugar are both minor but addictive drugs, particularly in combination.
Only if you have more than 250k in the account - the first 250k is insured by the government and if the bank fails is typically paid back in less than a week.
Well the licence fee of matlab is pretty massive (2500€ / user, and then each toolbox is 500 or 1000 euros each..), and then you have do deal with activation issues if you happen to switch computers quite often. Octave is a good alternative to run your matlab code if you don't need the "fancy" matlab ide.

The octave interpreter is slower than matlab, but that's because there is a JIT compiler in matlab. octave is still a good tool in my opinion.
I worked for an organization that contracted out fitness instructors to various gyms, apartments, churches, etc.

So I would go to their classes to pick up moves. There were also various certifications and conferences (SCW).

I got started in lifting weights ironically enough because I was a short (still short), fat (I got better), kid with a computer (still a software developer…sort of) and had cerebral palsy (still do).

While I didn’t have any coordination to play sports (my CP basically effects my left hand and a very slight limp), I could “lift things up and put them down” with the best of them and my “physical therapy” turned into weight lifting at 12 and I was paired with a personal trainer early on.

When properly conditioned as an adult, I found that I could run up to 9 miles (a 15K) in races and come in the middle of the pack (a little more than 6 miles an hour) before my legs gave out on me.

At my old age of 49, I wouldn’t put my body through the kind of training it takes to do anything above a 10K and probably no more than a 5K.

I also took advantage of remote work to buy a “Condotel” unit in a resort in Florida for half the year specifically because it had 3 pools (swimming is much easier on my body) and a gym.

The other half of the year, I “nomad” and fly around the US and stay in hotels instead of AirBnbs partially to have access to gyms and pools.

My wife took up the mantle a few years ago and now she teaches dance/fitness classes.
> Now you’ve got a bunch of people making minor warlord money compared to the locals. They can now afford to do just about anything their little hearts desire.

Isn't this already happening when an SV company pays an eastern European developer 1/2 a typical SV salary which is 10x the employee's average local salary?
>Worked on my machine" is not really a helpful response to someone sharing an issue they have.

When they're attempting to present their experience as the typical or characteristic experience, it is indeed helpful to contrast it against other experiences.
This is what ACAB means btw. It's not that good people can't become cops, it's that they can't stay good, or can't stay cops. They either get pressured and eventually broken into habitual complicity or just forced out entirely.
oops typo, @manabiSRS
Unix shell is a proper language and has very solid principles beautifully laid at its foundation by Douglas McIlroy.
Ask HN: Should I pull (some) cash out of BofA?
I have checking and savings accounts with Bank of America, none of which exceed $250k, so they should be covered by the FDIC.
That said; should I pull out ~$20k in cash to cover living expenses or emergencies?
We're still 245 B $ short overall.
So when you short like that there is no risk for you as a borrower other than if the assets go higher?
Do you need to have enough assets to cover a x-times the price of the stocks to insure your position?
Not the person who asked the question, but I'm guessing they might have a lot of the same photos and videos of different resolutions which would create files of different sizes.
Love seeing this area being developed. I think this is even too ambitious. If you would focus on professional VFX artists and follow their day to day workflows it’s quite evident that there is lot of room to improve just in the basic tools.

So far my feeling with deep learning tools is that they are too heavy handed to be usable. I’d just need small helper tools that I could integrate to existing software. No need to try to do everything for me. Just make the existing stuff ”smarter”.

Keyer that actually recognizes actor from green screen. Color corrector that gives default settings that match two elements together. Painter that fills area based on the surroundings etc. All this but so that I can take the input and continue from there.

Or maybe I am seeing first time a car and keep hoping it would be a faster horse.
I was watching this live for several days. That is not what happened. The defense paid an expert witness to upscale and enhance DIGITAL FOOTAGE using court appropriate tools. The defense never "tried to throw out any image taken by a non analog camera". They themselves USED DIGITAL FOOTAGE for their defense. I am sorry but you have been lied to by the media.

This is what the defense actually said: https://www.youtube.com/watch?v=sf7xCMFBv5c

And here's the expert witness the defense brought on: https://www.youtube.com/watch?v=1GhsbizmfMs
are you telling me you would starve and let your familu starve rather working for a legitimate company

that's not fair because most of the times you have the choice to work for another company. i do refuse to work for google or microsoft or other companies if i have a choice, but if i had no choice i would accept their offer. it's a matter of degree and opportunity.

by simply being a voting age adult you are morally culpable for everything the US government does and everything it refuses to do

yes, you are. i don't blame my american friends for being american, but i do listen carefully which activities of their country they support, and which they reject. unsurprisingly most of my american friends agree with me on many issues. i do keep an open mind though if they disagree.

obviously as an individual we have little power to make a visible change on things we disagree with, therefore i consider it sufficient to focus on one particular aspect where one can make a small contribution.

but if your attitude is that you don't care what your government (or employer) is doing, as long as you get your paycheck, then we will likely not become friends. in fact we are more likely to become friends if we disagree on issues but are able to have honest and open debates about that.

So why do you pay tax?

first of all, refusing to pay tax won't change anything. if i want to change my country i do need to be a lawful citizen and try to influence my peers until we have a majority that will be able to influence the country to stop spending taxes on such things.

Unlike democracies, corporations do not derive their authority from their subjects, their authority comes from their owners

which is why i prefer cooperatives.

Only those with the authority to make decisions are culpable for those decisions

disagree. following the orders of your superiors does make you culpable if those orders turn out to be illegal or cause harm, and you knew that they would cause harm.

Hitler's janitor is not responsible for the holocaust

hitler's janitor was most likely carefully selected as a trustworthy person, and probably would not have been a person that i would have liked to be friends with.
> aside from the design the articles on it are good reads

The design is perfectly fine.
The Julia compilation model is fairly complex, due to the Julia user's wish for dynamic capabilities combined with common features in statically typed languages.

Although it may appear so, it was not low hanging fruit - it took a lot of effort building incrementally over several releases by a number of contributors.
Haven’t been on Twitter in a while. The giant run on paragraph format is definitely a huge step down compared to the tweet thread. Yikes.
You switch the clocks 2x per year, or you switch every schedule that operates on them 2x per year.

People would still have to deal with the change either way.
I’d suggest simply reminding people that if they don’t want to be homeless they need to learn a skill that pays a living wage. This is how it’s been forever.
Filing a Claim with FDIC
Hi,
Does anyone have any details on how to file a claim with FDIC? Does it need a legal counsel or can we self-file it as founders?

There's a lot of documents there but finding the right ones to use for filing claims to be hard to navigate. Any legal counsel or startup who has done it and wants to open source the protocol would be super helpful.

I did find the link from vol1ventures, but that seems to be mentioning that founders should send over deets over to them.
ggml (https://github.com/ggerganov/ggml) has a GPT-J example, the 6B parameter model runs happily on the CPU 16gb of ram and 8 cores at a couple of words per second, no GPUs necessary.

gptj_model_load: ggml ctx size = 13334.86 MB
gptj_model_load: memory_size = 1792.00 MB, n_mem = 57344
gptj_model_load: model size = 11542.79 MB / num tensors = 285
main: number of tokens in prompt = 12

An example of GPT-J running on the CPU is shown in Fig. [4](#Fig4

main: mem per token = 16179460 bytes
main: load time = 7463.20 ms
main: sample time = 3.24 ms
main: predict time = 4887.26 ms / 232.73 ms per token
main: total time = 13203.91 ms
tl;dr: AI is used to add detail that doesn't exist to your photos.
I think it’s even more damning seeing this happen on the phone near the bottom of the article. There’s no way a phone camera sensor can capture all those raw values of the moon with 45X digital zoom with a phone telephoto lens (you can only see so far with 5 mm of packaging). From a digital sensor point of view, it probably sees a white blob and fires up the AI when it has a contrast and lighting similar to the moon
It's more an issue of torch not yet providing prebuilt binary wheels for Python 3.11. You could probably get it working, but it would involve building torch from source, which can be rather more involved than 'pip install'.

It's a packaging/release engineering limitation more than a language incompatibility thing.
"With crypto, transferring funds is fast and easy!"
Wonder what Bill Ackman's stance is on student loan forgiveness
Still not a pop up
I´m not, but I do expect sophisticated companies such as Roku to do better risk management than me.
This is simply called inflation, and the end result of the long chain of effects is that nobody is better off for it.
> A recent review from a prominent scientific source has reignited the debate over masks. There are no easy answers.

I feel obligated to call BS. Masks are rated. They have physics limitations on particle size they can prevent or not. Full stop.

Then of course there's fit. KN95s typically are far better fitting then the power-blue disposables.

"Work" is a function of what you're trying to filter. Viruses are tiny. Promoting masks not capable of filting out viruses during a pandemic was irresponsible or incompetence. Neither should be acceptable.
> We already have universal tracking IDs, we just don't see them because they're opaque and proprietary.

This is simply not true. I can go to a public library, sign up for a free email account, sign up for Google or Twitter without it being tied to my name or face or work email etc.

If signing up for any of that required giving them something tied to your social security number, that wouldn't be possible, and that must not happen.

> We already use government identification online, we just do it in the dumbest way possible: "please upload a photo of your driver's license."

The vast majority of websites don't require this, specifically because it's a pain in the butt. It needs to continue to be a pain in the butt so they continue to not require it. Ideally we should create new ways to make it even more difficult.

> FaceGoogAzonRosoft have done everything related to auth that's profitable, but the one thing they will never do is build an office in your hometown and staff it with a person who can do deal with you as an individual and physically hold your two recent utility bills when corner cases or fraud or whatever require it.

That has just no security value whatsoever. A utility bill is a piece of paper. Anybody with a printer can forge one in five minutes.

On top of that, who still gets a utility bill in the mail?
Conversely, why should the "middle" of our daily schedule, when lunch breaks etc. are scheduled, have to coincide with the solar maximum? Modern society compresses "boring stuff" into the first half of the day and puts the fun stuff at the end. Why not give it more light?

Meh. Just pick something, I guess. But this isn't an engineering problem and there's no correct solution.
That's a perfect description of the feeling I get when watching him. Something just feels slightly off enough that I fully expect some skeletons to come out of his closet at some point like with the vast majority of crypto influencers.
Short seller seems to have a pretty sober take on the reality of it all.

Reminds me of "just don't fucking dance." https://www.youtube.com/watch?v=7eYcWpgCb7o
Oh yeah! I was on longecity too
The banks should never be bailed out. If a bailout is considered necessary, then it should be depositors who are bailed out.

The FDIC should take over the bank. Stock holders and lenders (not depositors) should be wiped out. Upper management should be replaced with competent conservative management, and criminal referrals should be made if warranted.

This was supposed to be the standard operating procedure, but instead, corrupt institutions and management were bailed out, to the detriment of the public.
I think it's about convenience. You can have a cup of reasonable coffee in your hands in just a few minutes.
Samsung Galaxy Phone - now hallucinating a more beautiful reality™
USDC Stablecoin and Crypto Market Go Haywire After Silicon Valley Bank Collapses
And then there are central banks which can pump literally unlimited amounts of money into the market.
While that is an accurate statement, my go-to package where compile time and startup time was a huge hurdle, Plots.jl, just works instantaneously now. That is the case for many packages already, and I suspect that after 1.9 releases, it will quickly become more commonplace.
I guess. If it's in the morning, I'll make some coffee at home and put it in a go cup. Otherwise I mostly don't drink coffee during the day unless it's on a long drive and I certainly won't wait in a 10-15 minute line of cars.

But I think it's something that becomes a habit/ritual for a lot of people.