skysight-inc/HackerNews huggingface dataset:
https://en.wikipedia.org/wiki/Wolf-PAC
What's amazing to me is how terrible Amazon's ads, related products and upselling are. There's no adblocker there, they know exactly what you bought. Many / most are probably buying a significant amount of all products from them.

And still their targeting is terrible. Why? Are they just incompetent? Is the tech just not good enough yet? Are they just not showing their true abilities to keep the population calm?
Not sure if it’s touched on but one cofounder focuses on product while the other focuses on marketing. Cannot stress enough how much of a winning formula this is
And Biden killed the strikes.

Both parties hate the non-rich. One just hates it more and is way more obvious about it.
Depositors aren't a monolith. In fact, the depositors that _didnt_ "conspire to perform a huge bank run" are the only depositors which would require government assistance to make them whole.
> Something tells me you don't understand the difference between the bank, its shareholders, and its account holders.

I understand the "difference" fine. I just refuse to believe there actually is a difference. They're all the same to me: people who lent their money to the bank so it could be invested and pay them dividends.

> Unless you just think its peachy that a bunch of businesses lose everything because their bank made some actually not all that risky investments and some people got spooked.

Why, that's exactly what I think. Looks like that "not at all that risky investment" didn't bring the outcome everyone expected. Oops. Looks like the free market screwed them over again. Such is life.

I suppose it's fine if they manage to liquidate the bank's assets and recover some of it. If they really insist on recovering it all, maybe they should liquidate the bank manager's personal property as well. As long as they don't see even one cent of taxpayer money, it's moral.
The way to determine a mark is extremely different than in 08' , be mindful of that. Determining that mark is an incredibly difficult task.
I quite liked that, but I have to say that this is an exception.

Most FOSS UI/UX is pretty poor. (and I say that with affection as a person who generally prefers FOSS).

If I had to speculate though, it's that sometimes things with fewer opinions can end up being better than things that have many opinions.

Think of all the benevolent dictators in tech, or the cult of personality around certain people like Hideo Kojima and Quentin Tarantino. A large part of that can be attributed to them taking every detail into consideration and micromanaging.

Certainly not advocating for that, but a strong resolute singular opinion, if good, can be better than corporate consensus.
Then you could encounter a "computer says no" situation
> Do you have an actual argument that falsifies what I've said? I'm all about owning up to my mistakes but right now I have no reason to believe I'm being stupid.

There are two key things that I think you're misunderstanding:

1) the bank didn't lose the money. A lot of it is locked up in long-term securities that would have to be sold at a loss to access the money now. But, at maturity, all of the money would be paid back. The money is there, but it's illiquid. A bank with the same investment but more liquid assets would have no problem

2) The investors are going to get screwed, and the depositors will likely be made most of the way whole. This is without a government bailout. Given that the assets are there, I'd be surprised if a big bank didn't gobble them up for the goodwill of future tech unicorns.

I'd be upset if there was an investor bailout. I'd question why we needed a depositor bailout. I don't think either are necessary or going to happen
But how else can we justify the salaries of all these PMs and designers? /s
You're off by around a factor of 10 because you're valuing MBS as if they're annuities without a terminal value. MBS are backed by the USG and you get the full principal back at by maturity.
I imagine many businesses are going to diversify banks in the near future so they can always make next month's rent.
Yes, the limit seems especially poorly-suited to businesses.

Though, there do exist meta-banks that split funds across multiple other bank accounts in order to achieve higher FDIC limits. Maybe we'll start seeing more of these.

Otherwise, I think the FDIC needs to revise the rules.
There's body fat percentage, you can calculate this with calipers or in a pool.

Even the body builder with a high bmi thing isn't that healthy. It's tough to be large.
Sure. You can get models with magnet link from here https://github.com/shawwn/llama-dl/

To get running, just follow these steps https://github.com/ggerganov/llama.cpp/#usage
The solution is to break the explanation/decision into two or more steps.

Have it summarize the pros and cons of the loan. Have it score the issues. Have it explain why those issues and scores should receive a loan or not. Have it decide if those reasons are legitimate and the reasoning sound. Have it pronounce the final answer.

Get the rationalization out first and then examine it. This way even if you're wrong you have multiple steps of fairly clear reasoning to adjust. If it's racially biased you can literally see it and can see where to explain not to use that reasoning.
I've migrated too, but the biggest letdown for me so far is the total absence of genre playlists. If you're lucky you'll find 3 playlists by users when you search for something like "Deep House", it's really not great for deliberate discovery :/

But the quality of the audio has locked me in hard.
Is your argument that chatGPT is not intelligent because it can not singlehandedly invent all the technology to do the Apollo program from scratch?

These goalposts have literally been sent to space.
It's easy to get the list. It's not easy to get all of them to move their assets over to your bank. When you buy the bank the assets are yours automatically. They can of course choose to then move it out, but why would they?
As far as I know it's a "technical term" that has a negative connotation, whereas a word-by-word translation doesn't. (I'm not a native English speaker, nor French, and I might be completely wrong on the semantics of that, because I'm just a lazy-ADHD autodidact when it comes to ... almost anything, really. So I welcome any criticism, tips, and FYI/explanations.)
Given it is fairly common for FDIC. What is the history in such cases? Do depositors always get all money back or they have to take some haircut?
Losing a significant amount of fat on purpose is becoming healthier, no ifs or buts about it.
Actually it definitely is possible to self host plausible analytics! It's an open source project with an AGPL license. You can even find instructions for self hosting here: https://plausible.io/docs/self-hosting

Please notice that although they recommend docker for self hosting, it is very easy to self host an a bare RHEL server (you need to be a little familiar with Elixir though but not so much, you can take a peek at the docker entrypoint scripts to see what's going on) ; I'm doing exactly that for some months now and I'm happy with the results.
For lack of other shared idols, the “common space” American society worships health and longevity. We measure everything against it and don’t make much room for debate.

We all do unhealthful things, of course, but our society makes it very hard to admit that we do so in sound mind. The role we’re asked to play is to say we’re addicted, indulgent, or ashamed.

The dissonance isn’t good for people and is not unlike the toxic dissonance we associate with religious communities that are too stringent and deny everyday realities of human behavior.
Sure, but that doesn't mean that we can't fight that. Indeed, I think it means we must work ardently against it. Capitalism's pretty neat, but it has known failure modes like monopoly and corruption.
You know that not only startups use SVB right? Farmers and wineries do as well. And either way this is the economic engine of America - in its accounts lays the next trillions of dollars of GDP. It is unbelievably stupid to not find a way to make them whole for a black swan event.
I wrote some scripts to automate the tedious parts of my photo-to-texture pipeline. I learned enough of Blender's API to make a small plug-in to handle some of the rendering tasks. None of these are particularly sophisticated or impressive but they've saved me a lot of time.
Another difference is that if they are solvent but illiquid they would not have too much trouble borrowing money to cover short-term liquidity needs.

If I'm not mistaken that's one of the services the Fed offers.
The irony as a fly-over-American is great. We are constantly and sanctimoniously told we have to move from our cities and towns to the Coastal regions. When toxic chemicals are spilled we're ignored, or worse - mocked. We're told we're financial burdens on the country.

But what we see is both coasts gambling with low interest rate money, getting rich off of fee leaching, and, when the gravy train slows down, causing a financial meltdown within 15 years of each other.

Don't kid yourselves. The tech boom was largely low interest rate fueled and, for many of your companies, a mirage.
so true!
And those regulations were opposed by the unions that Biden crushed by forcing them back to work.

It's a class conflict, not a partisan one.
I do believe not enough attention is paid to the "inactive" ingredients. We have had too many reports of things like finding vitamin tablets in the septic tank--they contained the right stuff but didn't dissolve like they were supposed to.
I actually reached out to their support because the autoplaying (sound on) playlist previews on the music tab caught me off-guard. I asked how to disable the sound on them and got this as a response.

> We've checked this further and it sounds indeed like you’re seeing a recent change to the app we’ve made for some users. We’re always testing possible improvements, so you or someone else may see something new or get a limited feature temporarily.

> We understand you have some feedback about the auto previews so we suggest sharing your thoughts on our Community page: https://community.spotify.com/. In the meantime, we can recommend keeping your phone with the silent mode on and making sure your phone's sound volume is also reduced to zero.
The proposal that "the juice isn't worth the squeeze" in this case is so disingenuous: the idea is that the division his presence is causing in the school may be an argument for not letting him speak at all. But that argument is offered by people who don't want him to be there in the first place. So, on the one hand they are protesting him, and on the other they're saying "gosh, is it even worth it if it's causing these protests?" In other words, they are using their own choices as evidence of a cause and effect relationship they lay at the feat of a third party.
That’s what they are doing:
“ The FDIC will pay uninsured depositors an advance dividend within the next week. Uninsured depositors will receive a receivership certificate for the remaining amount of their uninsured funds. As the FDIC sells the assets of Silicon Valley Bank, future dividend payments may be made to uninsured depositors.”
Qatar bugged secret meeting between Swiss Attorney General and FIFA President
I clone a lot of rust projects to the point where I ran out of disk space.

The solution is a simple bash script that deletes "target/" directories.

https://thealchemist.dev/clean-your-rust-clones/
SVB is dead. The company has failed. There is no competitive advantage because SVB is not in competition anymore, it is dead. The former SVB employees are sticking on for 45 days (at 1.5x pay) to tie up loose ends according to the FDIC. But SVB is dead, the assets are being sold and might as well be public record at this point.
He publicly praises Trump and his accomplishments.

In private he says he hates Trump passionately, says his presidency was a disaster, and that there really isn't an upside to Trump. We know this because a bunch of his text messages became public as part of a big civil suit against Fox for defamation over Carlson and other Fox hosts' public claims.
Hardware lags use cases by a few years. You don't need that much RAM to game, or to mine crypto. With AI, you need all the RAM. So expect NVIDIA to offer some drastically different products in coming years.

But to me, Mac's architecture is the most inevitable final solution: the GPU becomes part of the CPU, and there's no CPU RAM and GPU RAM, just RAM. Will be great for AI too.
The device can do it, but someone needs to be told to change some of the software or hardware.
Framed another way, we're asking for the government to take some ownership of their stewardship of banks. The Treasury, the Fed, the CA gov, and the ratings agencies all gave svb passing grades. svb appears not to have done crypto speculation.

The svb ceo asked congress to weaken Dodd-Frank. If that's a bad idea, then congress should say no; that's their job.

Apparently banking over trivial amounts of money ($250k isn't even one month's cash use -- ie payroll and health insurance -- for a 15-ish person sfbay company) requiring significant work to make that cash unlikely to just disappear is no way to run a country.
>What people oppose is taxpayers absorbing the losses beyond $250 000 as promised, and there's a very good reason for this: its another example of privatizing profits and socializing losses. In other words, it encourages risky behavior because they're gambling with the house's money.

But by not bailing them out, you're punishing the depositors, which I wouldn't exactly characterize as "gambling with the house's money".
Build a Trial Court Records Scraper Using Ruby
How it works. We will use the Ruby programming language and a few open source software tools (i.e., Nokogiri, Watir, Selenium, and ChromeDriver) to deploy a hidden ("headless") browser to the OECI case index
>I remember going to a branch of Bank of America to open a bank account for Posterous and not being able to.

I believe you, but this doesn’t make any sense to me. I have opened multiple business accounts at Bank of America. It’s just paperwork. If you have a dollar and a legal entity, you can open a bank account for that entity.

What was the issue?
The Money Market one probably comes as a surprise to many people (it did to me). I believe the financial industry lobbied so that the day-to-day Money Market fluctuations could be hidden from the user so that clients thought they were more stable than reality.
SVB had basically no hedging against rate rises. Every other bank out there did.
The general public doesnt care about the shareholders. For the public, a bailout is a bailout. By lending money to that bank, depositors took a risk and participated in the bank's business. It was NOT a state bank. It did not pay any taxes, fees, or anything else to the public's treasury more than the $250k per account insurance. If it did, you would be right - everything could have been rescued to the order of that insurance. But there is no such insurance over $250k.

> make depositors whole

It seems that the big money people affected by this chose this nonsensical, archaic term to use in place of 'bailout' so that people wont react. It really doesnt work and it looks way, way nonsensical.
You're speaking with confident 20/20 hindsight.

Who, realistically until now has had “bank goes bust” on their risk list?

“Crypto exchange goes bust”, almost a certainty, but “major bank goes bust”, I don’t think it’s reasonable to criticize for not having five distributed bank accounts.
The top four banks are too big to fail and WILL be rescued, as happened in 2008. Bank of America or Citi failing would be the end of America as we know it. That's why everyone will move to the bigger banks. Which is obviously not what we want. But it's what will happen if you leave depositers out to dry because it's a smaller bank.
I believe it IS contiguous: https://www.independent.co.uk/news/business/analysis-and-fea...

The building appears to be 860m long on the map: https://www.google.com/maps/dir//''/@37.4805293,-122.1563983...

It's like a work environment designed by Terry Gilliam: https://www.evanerichards.com/wp-content/gallery/brazil/braz...
> And the amounts of money made with companies hat have no real business is just astonishing.

Maybe they wasted investor money on salaries. Oh no!
And certainly no reason to steal the money they didn't waste.
That sounds like a bureaucratic issue and not a technical issue.
Actually based on real disappearances. Of course the story has to be dramatised for the book ,but the stuff that actually goes on on cruise ships can be far worse than the book
Large language models are not search engines, even though a lot of people seem determined to treat them as such.

I don't think that blog post's excercise is a particularly useful demonstration of anything.
sure I’m not suggesting people get complacent if they have excess belly fat. but controlling visceral fat should be most important goal for your average person given how disruptive it is hormonally

the main issue for your average person is there isn’t really a good way to measure the percentage or ratio outside of a Dexa scan which are pretty expensive
Yes, BMI has problems, but "there are so many hypermuscular people that it makes BMI obsolete" is certainly not one. Ironically, people with normal weight but high body fat percentage ("skinny fat") are one of the problems of BMI, which is almost never brought up by BMI critics.
How is this post any different than the instructions on the actual repo? https://github.com/ggerganov/llama.cpp
Not yet complete, but will soon turn complete!
See https://travel-europe.europa.eu/etias/who-should-apply_en#ma...

Note "Nationals of any of these visa-exempt countries need to apply for an ETIAS travel authorisation." You will notice the flag of the USA, and if you follow the link, see it listed in ANNEX II (1.B)

https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CEL...

I've not looked at the recent rules for entry to Canada.

The point is that to date, the EU has had issues in bringing the ETIAS scheme in to operation. It was supposed to be operating now, but looks like it is delayed until 2024.

https://en.wikipedia.org/wiki/ETIAS?useskin=monobook
And, in turn, thank you for your comment.

> is exactly the sort of arrogant exceptionalism that got a lot of people into this jam

Well, I don't think you start a business if you're being entirely rational, either. You basically need an outsized belief in your own capabilities and need to have the erroneous belief that you entirely control your own destiny.

Black swan events that might entirely wipe you out and that are completely out of your control cause cognitive dissonance.

I do think FDIC should choose to incur some amount of risk of being surprised by additional liabilities by making a quick dividend payment. The benefits of keeping things moving and adding some clarity soon outweigh a small risk of partially bailing out losses.
Meanwhile, the obligatory 40-year-old Silicon Valley Bank episode of The Simpsons TV series.

https://m.youtube.com/watch?v=OKEDivgNMaM
Socialize losses
This thing is not only better designed it has all the same functionality as Spotify and a few other things. It is a complete replacement.

What do all the people at Spotify do?
I think you can do both.

However, when/if a bank becomes insolvent, it seems archaic that one depositor should get 100 cents on the dollar and another 80 on the dollar instead of each 90 (assuming equal accounts, etc.) Your place in line shouldn't really matter, these aren't Taylor Swift tickets.
>The C-suite paid themselves millions of dollars via bonuses and stock sales right before insolvency.

This is highly misleading. The bonuses were calculated/awarded from last year. The stock sales were pre-scheduled.
What is capitalist about modern banking? It's probably the most regulated industry in existence. Where a practice that would normally be regarded as fraudulent anywhere else (fractional reserve banking) is not only legal but encouraged by government. There's nothing capitalist about it[0].

[0] https://mises.org/power-market/central-banking-socialism
It's 250k at every bank.

The comment section on hn makes this seem like it was obviously risky to bank with svb but to everyone making treasury decisions, it looked to be the same as banking with any significantly old and significantly large bank. They are very large, publicly traded, regulated like everyone else, have their assets primarily in us treasuries and all fdic member banks have the same insurance policy.

There really can be a run on other large banks, svbs balance sheet wasn't upside down unless you marked to market their hold to maturity assets. If people start withdrawing you have to sell those and you get exposed and all of the banks are holding us treasuries that are worth a lot less due to rapidly rising interest rates. If people start withdrawing from other banks they get exposed too.
It doesn't really use them, it uses something called RoPE which is hardcoded rather than learned and is applied multiplicatively at every layer to both the key and the value.

https://arxiv.org/abs/2104.09864
I think this is where 100% body positivity falls short, and that is context.

Being a bigger person doesn't make you less of a person, it doesn't mean that you are weak, or even mean that you are unhealthy on its own. As a random person, a friend, whatever we should not pass judgment on other people in that regard.

But on the flip side context is incredibly important. For example in a doctor setting. It is deeply concerning that I see a ton of people that immediately think that if their doctor mentions needing to loose weight that they are immediately fat phobic.

I see people saying they want a "body positive" doctor. Sure Doctor's need to be better and understand that everyone's body, diet, etc is different. But I am concerned about this desire to have a doctor never talk about your weight.

I am overweight and my doctor mentions it... I mean we are tracking it and they weight me. Him not saying anything would be wrong and him not doing his job.

But you are very right that you can't shame someone even at the Doctor. But you also can't ignore it.
I don't think that's likely. Most banks have about half of their deposits FDIC insured because their depositors have low balances. SVB only had 3%. Most banks are unlikely targets for a bank run as a result.
Well said!

I've been a paying customer for over 2 years and their transparency and overall a strong "sharing" culture played a big role. It's just easier to trust.
It says literally:

> Not everyone is a dev who knows about server operations. For people working as community managers, sales, and PMs, booting up something locally could already be a stretch and requiring them to understand how to set up and fix server problems is a waste of team's productivity.
- Jacob Geller (video essays, usually about video games, literature and film)
- Baumgartner Restoration (narrated professional art restoration)
- Itchy Boots (woman traveling continents by solo motorcycle)
- Mustard (aviation and naval history)
- Posy (hard to explain, just watch a popular video)
- Ronald Finger (DIY auto restoration)
- Technology Connections (essays on technology in the general sense- not just computers)
Douchey students heckle douchey judge. Nothing productive happens, and everybody tunes in to see who gets dunked on the hardest.

checks watch yep still 2023, I guess we’re not all tired of this yet.
Smart guy meme: "The portion of our stablecoin reserves that don't exist can't be lost in a bank failure!"
Wow. What was the putative reason for this clause? It's interesting that a VC would have such a strong incentive to pressure portfolio companies to keep their money at one specific bank.