skysight-inc/HackerNews huggingface dataset:
> It should be spread out in order to mitigate risks like this.

Even after that, companies could still need the money to make payroll literally on March 15. How would they know which of their spread out accounts will fail tomorrow?

Think about your own accounts. You are paying for your own car loan from one account. Imagine it gets frozen tomorrow. There are 2 scenarios:

First, you miss the first few payments and your car gets repossessed. Isn't it rather unfair that you had the money but your bank fucked up so your car got repossessed?

Second, you switch your bank for loan payments but that you were already using the other account for mortgage payments. Now your deposits are leaving faster than your savings are building. Why should you, the depositor, be put in this precarious situation - if the failure was from the bank management?

A bank failure cannot be prepared for in the best of times, for a simple individual. And you are asking large companies with accounts payables and payrolls to switch asap before market opens on Monday and these companies get crushed - for not fault of their own?

Imo, the outcome of saving no-fault depositors but not saving the bad management is more than fair.
I took a loan like that once; "sign here, don't worry about the blank spots". There was no other alternative if the job was to be done.

When i saw the form again, the blank spots had been filled in with things like "24.99% APR" and other fun things that were not as had been advertised. I knew I was gonna get shaved, going into the deal, but this turned out to be right to the bone.

I learned lessons from that experience. Hopefully y'all learn without incurring unsustainable costs. Good luck getting through this, its gotta be less than fun even if it all turns out right in the end.
The problem is that now everyone will be scrutinizing every bank very heavily and will find similar bad investments like the ones SVB made. It's inconceivable that SVB was the only bank that bet on long-term bonds before the Fed raised rates. If SVB probably isn't the only bank that didn't account for the duration risk either.

Just as with SVB, it only takes a few depositors to freak out in order to start a stampede, which is the point Matt Levine made about this being a self-fulfilling problem.

For example, if I was a customer of First Republic Bank I'd be seriously thinking about moving my money to JP Morgan.
Easy arbitrage? It's already back to 0.995.
> but it’s all queryable through an undocumented API

How did you go about querying this?
I was just surprised crypto hasn't caused more carnage in the banks. SBF had more or less made that small bank his and was pumping massive amounts through it. I feel like that couldn't have been the only bank tied up with crypto.
What? I'm literally saying the opposite. Not that you should try to predict the future and pick a winner but that you cannot possibly know who is a winner and who is a loser and therefore you should be diversified.

Just depositing all your money to one account seems like a neutral activity but it is not. It is in fact an implicit bet. It is a statement of faith in the institution who holds it, whether you realize it or not.
They absolutely did the former. Those are the securities which were marketable reasonably quickly, and they were planning to sell equity, too (another expensive but liquid asset).

Now that those assets are in the FDIC's hands, though, they can likely be unwound really slowly and without a ton of execution slippage, which would have otherwise happened if this were a firesale.
Synchronizing Basic Product Data from MySQL with DolphinDB Cached Tables
This isn't war, this is corruption.

The context is wildly different. For one, war is chosen by a countries aristocracy while the lower classes have little agency in the matter. It is not the lower classes of these countries that are guilty, but the upper class, and therefore plans to help the lower class victims despite their complicity are pragmatic and sound. It is not pragmatic to punish slaves that attacked you, you would seek to arm them so they are not enslaved...

Punishment must be proportional to a person's power.

The COVID response against China is still pending, both of our countries are gearing up for war. Rhetoric around Taiwan has increased, and there is active work to reduce dependency on China.

The Marshall plan had nuremburg trials.
What does it mean "Depositors will have access to all of their money starting Monday, March 13. No losses associated with the resolution of Silicon Valley Bank will be borne by the taxpayer."?

How is the taxpayer not bearing the losses? Did the gov't just make a special exception to release the treasury bonds SVB has in order to provide the missing liquidity? What exactly is happening?
I wrote one where when the tic mark and top row number one were pressed together, it sends a single left mouse click

tic mark and top row number 2 sends a double mouse click.

It helps reduce strain on my right hand mouse clicking finger.
If you use university resources, they almost certainly will have a claim to the IP. Best to just buy a personal laptop, and use only personal resources.
these VCs and tech billionaires increasingly show themselves to be the enemies of the rest of us. they will control the AI, and will become increasingly brazen in their efforts to enslave those who are not in YC or open AI or which ever cliques the cartels maintain. this is real survival stuff, but the people who need to regulate SV and tech are asleep at the switch and dont understand how dangerous the SV people are. if you work for them, good for you, but this is the beginning of a very bad chapter for the US.
It’s a cash flow issue. Cash flow kills plenty of profitable businesses.
I have an improved idea...

every cupboard in your house is a dishwasher. The dishwashers are smart, and if they have been opened, they know there might now be something dirty in them, so they will wash overnight that night. It's wasteful of energy because you'll be washing 99 clean plates and one dirty plate, but I think it would lead to a good user experience.
This is dog shit because banks can now buy bonds at market value and use them for collateral at par value. Brilliant idea really.
Feature Engineering for Stock Volatility Prediction
Great E Ink Phone, maybe. Great Phone? Absolutely not. No Playstore. Old Android. No guaranteed upgrade timeline, no 5G. This is just more future e-waste that no one should use for anything that requires a password, let alone basic software security.
OpenGauss Authentication Mode Conflict
The authentication method of the opengauss remote connection database conflicts with the authentication method of the primary and backup data synchronization

The authentication method for remote connection to the database requires sha256, but the authentication method for database master and standby data synchronization is trust.

If only one of the authentication methods is used, an error will be reported. However, the actual project scenarios require remote connection and master-standby synchronization. How to resolve the authentication mode conflict?
> People depositing above that limit are generally not working from the same limitations and lack of information that regular people are.

250k is not that much money. What a weird statement.
Unregulated capitalism is good when you’re making money, socialism is good when you’ve lost your money…

God bless America!
> None except those with bank accounts, who can expect higher fees

I'm not sure what these "fees" are, I've had a bank account my whole life and never paid a cent of fees.
My first non-trivial bash script was a CLI frontend for an MPV daemon that used regex to manipulate the playlist. It also had all the basic controls you'd expect from a music player. Kind of like a CLI quod-libet. That thing was awesome.

Sadly it was lost in a when the HDD crashed and I never got around to remaking it because reasons.
Is it? The Chinese already do this. Go look at how its working out for them, the pros and cons are clear and obvious.
And datalists are incredibly limited in functionality and styling.
if you enjoy this you might also enjoy http://listentothe.cloud/
This isn't even comparable to a nuke. This kind of opinion is going to leave our entire species behind.

Imagine having a patent on 'fire' and then suing everybody who tries to cook a meal.
I would add: while maximizing for perks from said banks.
Court records also show he spent months last year making suggestions to Musk on how to engineer a sufficiently hostile environment to mass-sack Twitter staff while evading severance arrangements.

But sure, these guys are so concerned with the posibility of ordinary people getting hurt.
In human psychology, fairness is a big driving force in society. I think studies have regularly shown that people will tolerate outcomes that are objectively worse for themselves if the alternative seems unfair but objectively better.

People are not rational. Homo economicus is a myth.
oh awesome, thank you! I shall have a look into this :)

edit: how important would antenna placement be? I assume it's not just like receiving an commericial FM music station signal in a building eh? I could mount it on the roof; but setting up a big mast would be an issue landlord wise! "As the crow flies" I'm fairly close to the airport
False equivocation? Certainly the US doesn’t need to get involved or hands dirty with everything; this is a choice by its leaders. It is a government policy to enable such cruelty and use soft power to manipulate perceptions.

The false equivocation is calling out other countries when similar or worse atrocities have been carried out by the Us and there still are no reparations, restitutions, or repercussions to dissuade continued US aggression and transgression.

I am all for scrutiny of governments, but to leverage one against another while ignoring or downplaying, it is not a real argument, it’s optics.
What makes you think the regulators wouldn't have given SVB a passing grade?
Any analogy comparing requirements for a corporation with a human being is always going to sound ridiculous because you are comparing a legal entity with a person.

A government is formed by people, not corporations.

Corporations exist inside of a space governments specifically carve out for them.

The mantra that corporations are people is political ideology.
Well, first, we can't make payroll or pay vendors with AWS credits, so your analogy isn't terribly apt, but it misses the mark in a deeper way: this is more like taking that deal and then AWS deleting some fraction of your S3 objects. That is, unavailability would be in your AWS calculus, but data loss (rightfully) wouldn't be. (I can assure you that total SVB failure would have been viewed as less likely than S3 data loss as recently as a week ago.)
Was the USSR exactly communism?
That estimate is misleading as SV failed after people pulled 45 billion out. It wasn’t a 200 billion dollar bank when it failed and people didn’t lose 200 billion dollars.

We are at ~1.3 bank failures per month in 2023 which is much closer to 2020’s 0.3/month than 2009’s 11.7 banks failing per month. That IMO says more about the rest of the year than the size of the banks that failed.
Let me put it this way.

I put the majority of my cash in one of the smaller banks. The news that has transpired in the past few days had me mulling moving those funds to a larger bank, likely Chase (one of the too big to fail ones).

Even with the FDIC guarantees, I was not at all confident that :

1. they actually had the funds to cover _many_ bank runs; and

2. it won’t take weeks if not months for me to recover my funds, if my bank fails.

It’s entirely possibly that these lines of thoughts will motivate many more people to consider this exact move, putting even more stress in the system.
Spite is a strong motivator.
There is, in truth, only one “bank” in this country. The Federal Reserve Banks that hold the master ledger for the official US Dollar market. Everything else downstream is basically redundant legacy infrastructure from a time before pervasive broadband network infrastructure.
At no cost to the tax payer?
I keep on reading bail out but I’m inclined to think it’s going to more like a bail in. Depositors transformed into shareholders. I read about these possible type of changes after the last banking crisis.
Some half height dishwashers are decent. The real trick seems to be to very carefully measure dinner plates - the dishwashers only just fit most plates, and if you put just one plate in that's slightly too large, it blocks the washer jets, and then the whole load comes out dirty and people curse the poor performance of the machine.
Capitalism without bankruptcy is a bit like Christianity without hell.
Concerted efforts by the Tories over decades to defund public health so that they can raise a generation of people who sincerely believe that it's best for the country for the government to get out of Healthcare and leave that to the more efficient private sector.

It's a very slow process that requires first the defunding, then some brainwashing via television. The American model.
Show HN: Voice Assistant for Gamers
Hi peeps,

I notice we often need a guide during a game. But you can’t read it and play the game at the same time.

So I built a voice assistant using ChatGPT to help you focus on playing.
https://www.gptbro.xyz

Let me know what you think.

J
It's not a trick by any means.
I use a A53, A52 which is laying right next to me as i am typing and on the left, I have the regular iPhone 12.

I aiming at buying a Macbook and Iphone, but since the iPhone isn't much better in the things I do with my phone, I'm not going to buy an iPhone and Macbook. Photos and speakers (macbook) are better but that's just it for me.
> Planes wouldn't have stopped to exist, cars wouldn't have stopped to exist.
> The entities would have disappeared and new ones would get created.

That seems unnecessary considering how many jobs were at stake.
Silvergate is a winddown the same way SVB and Signature will end up being. No one loses their money, even stockholders get some money. It was just more structured
Here's an infographic and wiki.

It's like forest fires, we shouldn't build fragility into the system by removing all risk and then rely on regulations to mitigate it. Hasn't worked in the past and will lead to more consolidation and bigger fires in the future. Remember in 08 the answer was to combine a bunch of banks and since then we've had no new banks created (besides Ally which was a spin off of an auto workers pension fund if i remember)

https://en.m.wikipedia.org/wiki/List_of_largest_U.S._bank_fa...

https://old.reddit.com/r/dataisbeautiful/comments/11p3555/oc...
What kind of moral hazard? Let’s be specific about who did something wrong. Do you think that businesses should worry about whether their bank has hedged enough against rising interest rates? Or maybe they should subscribe to news alerts telling them sooner when to get out?

The shareholders getting wiped out and bank management replaced seems like pretty strong incentive for the bank itself not to screw up.
There are a number of libraries on Github that appear to interact with "Find My" somehow -- reasonably sure you don't have to pay for that.

You might also consider something like https://www.tillerhq.com (or even just integrate with Plaid directly).
I saw this too, but both the title and your command don't work to play the game.

The actual command is "cat mario.nes - | nc ...”

The trailing dash allows you to actually control the game after the rom has been loaded.
Did we ever see a definitive rationale for ending consumer grade Threadripper? I’ve always wondered if sales were simply cannibalized by the growing thread counts in Ryzen. A sort of Innovator’s Dilemma, except with more vocally unhappy consumers.
Yep, we run an agency doing very boring things with Ruby on Rails. Not chasing the latest and greatest.

We also have side projects/businesses that solve very boring problems in boring old fashioned ways using Ruby on Rails.

And we are making a living in a remotish part of Australia and I don't have to commute and answer to people I dont like very much! :-)
For some more fairly excellent data viz: https://yarn.pranshum.com/banks.
Except the CEO and Chief Risk Officer already cashed out a year ago.
It's hard for the machine to actually know if it has been unloaded...

So many people in an office open the clean machine, remove one mug, and then close it again.

Should the machine now show dirty or clean?
First Republic Gets Liquidity from Fed and JPMorgan Chase
This was a recursive `rm -rf node_modules` that turned into a rust learning project and got out of hand :) now supports 14 different languages/project types. https://github.com/tbillington/kondo.
The bank had a good track record since the 1980s, good personal relationships with many VCs, and offered attractive loan terms to startups.

In a free market personal relationships matter just as much as they do in any other kind of market. It's not like everyone in business flips a coin when they decide who to use as a bank or as a vendor.
It wasn't Pascal on MTS in '92, right? I seem to remember my first year ('90) being the last for MTS in EECS280 (if not entirely).

IIRC, we did one program in C at the end of the class but the rest were Pascal.

Does seem like an odd choice to use two different languages in that class.
Surely that's far less efficient than just having removable trays / draws / shelves that you swap between a cupboard and a dishwasher. In the past I envisioned this as being a rack on wheels that rolls into the door but continues on an opposing cupboard door (like a dummy dishwasher, with no internal parts). At which point you put a fresh rack in the dishwasher proper.
It's fine if you use all your RAM. It's not fine when each app assumes it can use all your RAM.
The parent comment just made the point that you need to normalize for the size of the bank, not for the number of banks per year.

Your comment takes the annual frequency and divides it by 12 to get an average monthly frequency, adding nothing to the argument of the grandparent comment.
>"but France was mad enough at the Germans that they continued. This led to the rise of the Nazis and WW2."

Oh I know that. My argument was rather pedantic.

Now since you've mentioned it I wonder if the situation with Russia might to the same outcome eventually.
None of those are real Python problems...
Interesting, does that mean modern Russia, China, and North Korea can be simply considered the results of Late Stage Socialism?
There's a bit of irony in mentioning the COVID response, considering the knock-on effects of that are partially/largely to blame here.

If we ignore the fact that there may very well be some who are 'guilty' in the COVID saga, that certainly didn't have the same story as a bank that made poor bets, and the (relatively) wealthy depositors of said bank that made poor risk calculations and got burned by the black swan.
> Up until today that was the threshold. This FDIC limit is printed on every document from every bank, so you should have seen it before.

Right, so you are saying every person or business that reaches that limit needs to become an independent financial analyst on a bank's liquidity.

> As of today the rules were changed in the middle of the game and there is no limit. Must be great to have powerful friends.

What a condescending toxic tone, you're blaming the people and business that maintain their savings in failed banks for their failure? and accusing them of being apart of some interconnected powerful network of friends that's somehow instructed the FDIC to step in to strengthen public confidence in the US banking system?

> So what? How is this worse than the status quo?

If you can't see the problem with all but the 3 top US banks failing and forming an impenetrable oligopoly free from competition, nothing else needs to be said.
The amounts of money involved, the relative infrequency required and the relative ease of doing it mean it's absolutely not a waste of time. And it's done by smart companies all around the world today.

Talk to anyone in the treasury function at any company of any reasonable size, most of them will be doing it.
Did you watch the video? In speed mode, the e-ink display actually does a half-decent job. Definitely not 60fps, but much much more usable than most of the competition.
Bunch of ansible that runs against proxmox. Makes setting up a quick VM or LXC a 30 second task

About same as GUI interface but with IAC advantages
> no reason of my own

Other than giving your 97% uninsured money to a place without checking its financial situation and pretending you're not just another creditor.
By some peoples' definition of a purely capitalistic system that could be the case. By others, where most people are happy to pay a small and reasonable amount of tax, donation, or general insurance to have some social systems in place, because they can see the benefit and recognize that society is improved for their benefit as well even if they never make use of them directly (and therefore it being somewhat close to if not exactly a voluntary exchange for mutual benefit), it would not necessarily be.

I wasn't advocating for anything in these posts by the way, so your rhetorical question is not an argument. Here is one for you though, do you believe that in communist China, Vietnam, USSR, Cuba, Cambodia, etc., that there were no homeless or beggars?
I think the concern is: this time they covered every cent of deposits to prevent systemic risk from spreading.

Now, what if, I, as a senior banker, start to abuse this policy. I'm not sure how senior bankers can abuse this policy but this is the concern here. So basically, if the FED can guarantee 100% of deposits, it encourages riskier moves. Worst case my equity gets wiped out, i.e. most of my unsold compensation vaporizes but that's it.
Shibari Compendium
Do you have reference for that? https://plausible.io/docs/top-pages#how-it-works seems to suggest that flows are recorded unless you are routing based on query params, unless you are meaning something else by user flows.
People who think code reviews are a thing imposed upon them by higher ups trying to make their job harder and not things designed to make their job easier don't understand how dev works at scale.

People who would do things that "wouldn't pass the code review" for smaller companies are a primary reason so many smaller companies get hard-fucked when they have to scale.

Arbitrarily deciding "this is too much work for me to do, so I'm going to take a shortcut" may not be the sign of a bootcamper, but it's certainly the sign of a shitty dev.

Either way, it's not someone I'll ever work next to. Elite teams don't hire people who think like that. We hire junior devs who are like "I write idempotent commits with good titles and descriptions, and I and use strict typing everywhere." Because it's easier to be teach them "actually, nobody's ever going to read your description. You can usually leave it out. You could use 'any' here. Just ticket it to be fixed so you can replace it later."

Point is 'any' shouldn't pass a code review without someone asking "why'd you use 'any' here." If you have a great answer, it will pass the code review.
They suggested you should normalize for the size of the bank but didn’t support it. They even used non inflation adjusted numbers.

Maximum assets under control don’t correlate with actual losses especially when people pulled money out before the collapse. It’s a completely meaningless number on it’s own.