skysight-inc/HackerNews huggingface dataset:
surefire way to end up in prison at wartime, and without a company after
> in practice the average person puts money in the bank primarily for storage.

> If you ask someone why they have a bank account, odds are the answer is not “to make money”

> They do it because it’s commonly held financial advice that this is better than putting cash in a box under their mattress (not just for returns, but for safety and ease of access).

Well, that's the problem. People actually believe this "your money is safe at the bank" common sense. Tell them otherwise and they treat you like you're one of those tinfoil hat crazies. Maybe they'll believe otherwise when the banks fail and their money is lost.

> It is not fair to lump these people in with shareholders, in terms of profit expectation, and say they have just as little right to their money back.

Sure it is. They loaned their money to the bank. They exposed themselves to the risk that the loan would not be paid back. That they were ignorant of what they were doing does not somehow excuse them of their culpability.

> I’m sure you have a stash of money somewhere for paying bills

I have exactly $0 in my personal checking account. All expenses are paid with credit. Then I pay the bank off in full the second money enters my account. Any and all remainders are immediately invested until $0 remains.

> You probably also have a larger stash as an emergency fund, which doesn’t need to be as immediately accessible but still needs relatively quick access (so a CD won’t cut it).

My emergency fund is about the only thing I keep in a bank account long term. In several liquid investment accounts in different banks. With full knowledge these banks could flop at any moment.

> I guess your personal stashes might be small enough to be FDIC insured, so maybe pretend to be a small startup with a couple millions in cash.

In my country, bank accounts are insured up to some amount per bank per our social security number equivalent. Therefore, when that amount is exceeded, I spread them over multiple banks. If money accumulates to the point I can buy real property, I immediately do so instead of leaving it at the bank.

It's a pretty simple algorithm.

> And regarding your point on banks hating to sit on money - they have to make money somehow as they have bills to pay.

Or they could charge you for the storage service instead. Maybe if banks were in the storage business it'd actually make sense to pay them a single cent in fees. They're not, so it doesn't.

> Not if the FDIC successfully makes everyone whole without spending taxpayer money! Which, again, seems like a positive outcome no one should be rooting against.

Yeah, and everyone just keeps on believing in banks. Positive outcome for them, not for society as a whole.
And now, in the world we live in, they know that they can do what they want and there will not be any consequence for them.

Look, their neighbor killed and chopped a journalist in a foreign country, and except a few "offended letters" from some ambassadors, it is like forgotten.

I really count the days until the middle east countries will run out of petrol or that we will not need that anymore!
This is right. The body has all kinds of mechanisms that use inflammation to repair and reshape. Exercise channels this into breakdown and strengthening of muscles, blood vessel enlargement, and a host of other beneficial tissue manipulations.

Making sure you're adequately hydrated is important, as is supporting the cellular activity with nutrition.

Where things go off the rails is when the body spends excess energy and inflammatory responses on things not connected to repair and replenish operations. You get acid reflux, allergies, tumors, even dementia-related diseases.

Of course it's not that simple, but for nearly every single one of those pathologies, exercise improves the chances to avoid them, or helps reduce their negative outcomes. (IANA doctor either.)
Both your examples are working in business your family owned. Do you really imagine these positive experiences will hold true for kids employed by companies they have no connections with?
Sweeping the floor at a factory is just not a high value job. Anyone can do it, and if you demand that they pay $40/hr with full benefits they will just buy industrial Roombas and deprive someone of a job he may have been happy to have as a first job or for supplemental income.
Crime and drug dealing is a better career opportunity for young people than low-wage jobs.
Then you're lucky. I a) intermittent fast, so never eat breakfast b) never eat dessert c) don't snack d) lift weights 3x a week and do other sports once a week e) don't eat fast food, and often skip appetizers, and stick to protein and veggies. If I don't do these things I get fat fast. So my sympathy for 'unlucky' is minimal; I'm sure only a small percentage of people suffer from such a poor metabolism that anything they eat causes the to gain weight. The rest choose not to put the effort in.
My point was that "the ability to listen to any music in the world" is orthogonal to "good UX/UI for a music player".
I'd say that $_ is really weird and looks horrible. Also having to do (10 * 1024 * 1024) instead of just writing 10MB is a downgrade even compared to POSIX-compliant sh. In my other comment I've added a few examples in sh, zsh, and a better PowerShell example:

gci | ? Length -gt 10MB | sort LastWriteTime
I remember sending cash or a cheque to someone and receiving 3 to 4 redhat CD-ROMs.
Fond memories.
You missed the part about "non-bank" exempted from ANY limit on March 14, 2014 in the FR Notice.
Essentially, price elasticity of demand. There's a ton of services/products I would consume at an arbitrarily low price that I won't at a much higher price. And some services have a very large labor component.
The time that my boss promised that we could write an AppleScript for InDesign which would allow adding an index to an InDesign document --- turns out it was 4 levels deep, and when I asked about doing this on the InDesign mailing list, Olav Martin Kvern who was then Adobe's Scripting Evangelist declared that it was impossible, because only the first level had support.

After a bit of experimentation I determined that it was necessary to verify the existence of a given index entry at a given level, and that if it existed, one could add additional entries --- if it didn't exist, then it was necessary to create the level above as an index entry, and then it was possible to add the new one.

I probably have the code somewhere, but haven't done any Applescripting for a while now (kind of miss it, Powershell is nowhere as comfortable, and there doesn't exist an equivalent to Application Dictionaries).
You have no idea what you’re talking about and are spreading misinformation.

1. SARS-CoV-2 is not influenza.

2. Influenza is not a coronavirus.

3. Influenza usually kills 300,000-500,000 people annually

4. Consensus estimates of excess deaths from COVID-19 are 14 million over the two years of 2020-2021. 2022 isn’t looking great either.

5. All developed countries highly recommend the annual Influenza vaccine even with its variable annual efficacy, as a way of lowering the intensity and spread.

The same will likely continue in many countries for COVID-19, where the recent Bivalent vaccines show reduced but still significant effectiveness against the recent variants of SARS-CoV-2.

6. COVID-19 has raised all cause mortality and lowers life expectancy across all age groups starting before middle age.

7. The UK NHS continues to offer standard two dose and 3rd shot booster COVID-19 vaccines (all mRNA now) for children over aged 5 and adults. This has not stopped.

Beyond this, they’ve limited additional boosters to seasonal programs for target populations that are at greater risk. They had one in the Autumn of 2022 and is staring a new one for Spring of 2023 for the immunocompromised and elderly (75+). The UK also signed a deal with Moderna to begin producing mRNA vaccines within the UK by 2025.

The vast majority of the UK population have COVID antibodies and are at far less risk than they were in 2020, but this continues to be monitored and may require broader seasonal vaccination campaigns if immunity wanes.

8. As with any disease vector there always is a choice to use mitigations such as masks in crowded indoor spaces, vaccinations, etc. to lower the spread. This is something other countries learned decades ago.
We need a Fabrice Bellard-like genius to make a tinyLLM that makes the decent models work on 32gb ram
Calm down. No it won't. We have financial markets. Good startups/innovations will get funding elsewhere. This is already happening. The current equity holders will lose a bit. No big deal.
Oh man, I didn’t know other people did this, I invented it in my friend group. Never in proper writing, only texting. To me it conveys a tone that other punctuation can’t replicate. For example:

Ok.. - Ok, but I’m unsure about this

Ok - Ok

Ok… - Ok, but I’m sad or resigned about this, and I want you to address that

Ok. - Ok, and that’s final

Ok? - I don’t know why you’re saying this, explain yourself

Ok…? - I don’t know where you’re going with this, explain yourself

Even writing “Ok, but I’m unsure about this” isn’t the same, because that calls more attention to your hesitation. If you don’t use “..”, your only alternative is to spend a minute basically doing translation work between inflected English and monotone English, maybe arriving at something like “Ok, I’ll try”, or more likely just give up and communicate in lower fidelity.
And then the regulators have to approve EVERY asset and of course anything looking slightly weird (hint: a startup) will be "risky" and unloanable.

The only way an SVB can exist is if banks are allowed to take risk.
Silicon Valley Bank was an outlier with respect to risk.

https://johnhcochrane.blogspot.com/2023/03/silicon-valley-ba...

The CEO pushed to ease regulations, and the lack of regulations led to this over-indexing in risk that was clear as daylight. But no one cared because they helped out startups, everyone knew the CEO personally, the VCs had relationships with the banks, etc.

Saying that "no one could see that coming" was wrong. Now the crybaby VCs THAT ACTUALLY CAUSED THIS PANIC IN THE FIRST PLACE get their way by preserving their investments, but hopefully the stark hypocrisy of Biden, first saying that millionaires "need to pay their fair share" and then immediately turning around and bailing his Silicon Valley VC buddies out, will be brought up time and time again during the election cycle.
This is what I mean when I search for "How to ______ in TypeScript": types! Too many blogs and Stack Overflow questions say "TypeScript" when they mean JavaScript, making it harder to find information on actual type problems.
Sorry for being a bit harsh, I've become a bit jaded to interactions on here. If you're using a Mac this explains it fairly well:

https://www.macworld.com/article/626700/verification-codes-a...

If the verification code doesn't autofill for whatever reason (doesn't with the aws console login for me) you can type 'cmd+,' to get the safari settings up, go to the passwords tab, and then find the website you're looking for and you'll be able to copy the verification code. Obviously this requires you to use safari, there's probably a similar solution for chrome or other browsers but I don't know.
Not managing your interest rate is amateurish for any large bank. Every bank treasury has a whole team which only purpose is to monitor and manage that risk. They had volatile corporate / institutional investor deposits, and took an interest risk that assumed their deposits where super stable (i.e. they wouldn't have to sell those assets).
Hard to measure these days. The training sets are so large they might contain leaks of test sets. Take these numbers with a grain of salt.
Maybe my needs are just too basic, but I've not found much reason to look beyond Apple Terminal, GNOME Terminal, etc. Probably the only feature those don't come with that I'd like is quake-style dropdown, but I don't find that worth the quirks that come with e.g. iTerm2.
The M dash is now forbidden in several scientific journals, they think the N dash plays the same role.
Who cares? If Z is effectively free, and there are businesses to be enhanced using Z, then people are making money with Z, even if the mechanism isn’t “selling Z.”

(Of course, yes, if there are businesses to be enhanced with Z, even if Z is free in the sense that open source software is free – which is exactly or approximately the case with much of the Stable Diffusion ecosystem – there will be businesses also to be made “selling” Z, or, more accurately, selling specialized services relating to Z like bespoke enhancements, support, hosting, and training. But those are very much the selling-shovels services that the question upthread asked to exclude; the using-shovels businesses are actually producing products incorporating images.)
> why should taxpayers cover their losses

Most likely there are no losses so long as the assets don’t need to be sold in a fire sale. The bank just needs liquidity.
I am not well versed in Haskell, but wasn't the original also computing the solution with just the type system?
I know, that is why I said GPT-3 (Davinci) not GPT-3.5|ChatGPT.
This (AI) Changes Everything
Amazon to kill digital publication sales via Kindle Newsstand
So 15 years after 2008 and TARP, our solution is to reach for the most extreme tools available to us yet again?

I thought "TARP" / equity injections into banks was a "never again" kinda deal. With Dodd-Frank regulations being passed back then to try to stop these things from being regular. We can't just buyout every bank that collapses.

---------

At a minimum, I want to see major banks (similar to AIG) teetering on the brink before we reach for those tools again. This absolutely should not, and cannot, be our main way forward whenever a banking issue arises.
A few years ago I read a paper where they checked the correlation between CT measured body fat percentage and a lot of easily measured and calculated figures, in the same style of BMI (w/h²). I haven't been able to find it again, but if I remember correctly BMI was actually pretty good, although worse for women than for men, and the best measurement included waist circumference.
By my inexpert calculations, if we ignore the requirment for oxygen (because I don't know what ratio you need) the sun would only last 4000 years.
Perhaps it'd be better to combine a dollar value with a percentile, eg, "each of the top banks representing X% of total deposits or with > $YB of deposits"
Recycling my comment from last time this came up. Some reasons I prefer Nushell over PowerShell:

- less verbose syntax

- better cross-platform support (PowerShell is technically cross-platform, but it has some baggage from its Windows-first history)

- way faster to start up

I'm biased (I'm a member of the Nushell core team), but those are all things that drew me to start contributing to Nushell.

On the other hand, Nushell is certainly less mature+stable than PowerShell. And if Windows administration is your main use case, PowerShell can't really be beat.
I understand that the experience of you and your family was broadly positive, and that's great, but it's a very privileged position and experience. Delivery driving and hotel service jobs are in particular much safer and probably better for mental health for most than jobs like meat packing as is being suggested. Additionally, by you and your family experiencing this in the regulated child labour market, you likely benefitted from higher wages than would be typical once these regulations are rolled back.
SVB wasn't big enough. If Wells Fargo or Chase or some other bulge bracket had a bank run, they would be swimming in bailouts already.
Israel is 9 million people my guy/gal/they/them

Per capita

is a thing

chud incel
Thats a really rosy view of shorts. They are much more oppressive than you're painting them.
Just make sure to send your fourteen year olds to the front of the line, chief.
Would not be surprising if Brex had insider information from connections/advisors who were executives at SVB.
with llama.cpp, you might need to pass in -t to set the thread count. What kind of OS / host environment are you using? I noticed very little speedup with using t=16 and t=32, it's possible the code simply hasn't been tested with such high core counts, or it's bumping into some structural limitation of how llama.cpp is implemented
What about something like ABSI? https://www.omnicalculator.com/health/a-body-shape-index
That’s a reason not to use figure dashes, which aren’t the same thing as en-dashes.
It's free. there's extremely cheap, and there's free. no matter how extremely cheap something is, "free" is on a completely different level and gives us a new assumption that enables a lot of things that are not possible when each request is paid (no matter how cheap it is)
It was Musk himself who announced that they will be providing Starlink, nobody forced him to, he was praised for it.

Now, after failing to blackmail DoD for funding, he is trying to limit it and is shit on and rightfully so.

Not to mention his recent dumbfuck proRussian comments on twitter. All in all - don't bite what you can't chew.
> spend a bit of money on someone to help you set up a treasury ladder, which scales to any size of raise.

This is effectively what you are hiring a bank to do for you, but with them determining over large sets of depositors what the cash flow needs are expected to be. The focus of your company isn’t building these investment instruments for your cash. Spending time on this is a distraction for most start ups.
This is not the slam dunk analogy you think it is. Buying stocks is too darned complicated, which is why even the most astute, sophisticated hedge fund managers cannot beat an index fund on any significant timescale. Because even with all of the publicly-available information, and thorough analysis, you still cannot be sure what is happening internally at any particular company.

Similarly, it is quite literally -- and I do mean this literally -- impossible for anyone to conduct a meaningful and ongoing analysis of their bank.

This leaves basically three options:

* Buy private insurance, which is a fool's errand, as there's no guarantee it would make you whole in the event of a major black swan event.

* Split your account up into an absurd number of institutions. (You get FDIC insurance only per depositor, per account category, per institution. You can't open more accounts of the same category at the same institution).

* Place all your money at one of the Systemically Important Banks, where you basically get unlimited insurance.

Please explain what you thin the rational thing to do here is.
> Seriously, what's the point of this pedantry.

My takeaway wasn't that the article was being pedantic, just that it was being informative.

What's the point of punctuation? The point is that ambiguity exists in human communication. Where accuracy and precision are important — for example in formal communication — different punctuation marks and rules help prevent misunderstandings.

When engaged in less formal communication, or when the stakes of miscommunication are lower, these rules seem (as you observe) unnecessary. I think that insisting on proper syntax, spelling, grammar, or whatever else in an online forum like HN would be silly. But, internet forums aren't the entire world, and it is conceivable to me that there may be places where people need to depend on the meaning of their message being conveyed reliably.
I like this idea, but how would the correct share price be established? It must be conservatively low to avoid taxpayer burden.

I’d also insist that the govt/fdic must sell their shares on the open market with 30 days, even at a loss.
Exactly. These articles talking about "labor shortage" are buying into the newspeak of the corporations. It is a pay shortage not a labor shortage. Pay more and you will have more people willing to take the jobs.
If you've got 500,000 monthly pageviews and $42/month isn't a rounding error to you, I think there's something wrong with your business.

And if you're not running a business, why do you care about analytics at all?

Most medium-large sized companies will pay people $150,000/yr just to translate the data from tools like plausible into ugly powerpoint presentations for management.
Kurzgesagt

https://www.youtube.com/channel/UCsXVk37bltHxD1rDPwtNM8Q

Short cartoon science videos
It's very unlikely you could write software at a professional level at age 8. I wrote my first video game at age 10 using Basic (a clone of Space Invaders), so did many of my friends. That doesn't mean we could find a job as software developers at that age. Sure, there are progidies in all forms of art and science, but again thinking you could write software professionally as a kid is very different than actually doing it as there are many skills and personality traits you develop as you grow up that are critical to successfully develop software, or to execute any task really that requires organization, time management, decision making, negotiation, prioritize tasks, etc.
“I think the old limit was 50 billion but go changed to I think 150 billion which puts SVB below the threshold for the stress test.”

Maybe the parent post missed that but I was responding to that post.
> And importantly, pathogens that cause fatal diseases are typically not very old in evolutionary time scales, it’s generally considered to be a bad idea evolutionarily speaking to kill hosts you infect, and most of these pathogens are considered to be in the path towards evolving into more benign invaders of their hosts.

This isn't necessarily true. https://abcnews.go.com/Health/debunking-idea-viruses-evolve-...

How sad that chatgpt does a better job than most of the commenters here.

>> ChatGPT: There are a few issues with this:

The statement that "Any pathogen that currently still causes disease by definition has to code multiple specialized workarounds that hack these immune responses" is not entirely accurate. While many pathogens have evolved strategies to evade or suppress the immune system, not all pathogens rely on these mechanisms to cause disease. Some pathogens may cause disease by producing toxins, disrupting host tissues, or interfering with cellular processes, without necessarily having to evade the immune system.

The claim that "pathogens that cause fatal diseases are typically not very old in evolutionary time scales" is not necessarily true. While some pathogens that cause fatal diseases may be relatively new, others have been around for a long time and have co-evolved with their hosts. For example, malaria is caused by a protozoan parasite that has been infecting humans for millions of years.

The statement that "it’s generally considered to be a bad idea evolutionarily speaking to kill hosts you infect" is an oversimplification. While it is generally true that pathogens that kill their hosts too quickly may be less successful at spreading to new hosts, this is not always the case. Some pathogens may benefit from causing rapid, severe disease if it increases the likelihood of transmission to new hosts.

The claim that "most of these pathogens are considered to be in the path towards evolving into more benign invaders of their hosts" is also not entirely accurate. While it is possible for some pathogens to evolve to become less virulent over time, this is not a universal trend, and many pathogens may continue to cause severe disease for extended periods of time. Additionally, the evolution of a pathogen is influenced by a wide range of factors, including the host population, the environment, and the selective pressures imposed by the immune system.
Did SVB use those relaxed restrictions though? Seems like they could have done their treasury note purchase with or without those changes.
du -s -h * | sort -r -h
OpenAI CEO Sam Altman sent startup six-figure loan after SVB collapse