skysight-inc/HackerNews huggingface dataset:
I'm not sure this qualifies as small since I've been working on it since last summer and has grown to over a few thousand lines of code, but it is definitely automation and something I'm quite proud of.

https://github.com/TorbFoundry/torb

"Torb is a tool for quickly setting up best practice development infrastructure on Kubernetes along with development stacks that have reasonably sane defaults. Instead of taking a couple hours to get a project started and then a week to get your infrastructure correct, do all of that in a couple minutes."

My ambition is to fill the space of Heroku and right now I can get something like a React App and a Flask API or a full Elixir Phoenix project started and running in less than 5 minutes on Kube, with a full infrastructure as code environment, reproducibility and more.

It's definitely not meeting my ambition yet, but it's definitely in a place where I think people can use it and get a lot of value from it. I've been testing it with some friends over a few months and have been dog fooding it on my other projects.

I just finished adding a file system watcher to it over the last few days so you can iterate and changes will quickly be reflected onto your cluster. Next I'm going to extract this out into a library from the CLI tool, build an API over it and offer a hosted solution and a web app.

I've been meaning to share it with people but I've been heads down building for maybe a little longer than I should have been.
> One thing nobody seems to be talking about is whether SVB had more assets than liabilities

On paper, with some of them at HTM valuation, they did.

At actual market value, I don’t know that an assessment has been done.

> So even if they sell at a loss there may be more than enough to cover the liabilities.

Sure, but there is still a kind of bailout in what amounts to a bridge loan from the FDIC for the uninsured balances.
Show HN: Strike or Sike
Normal/poor people don't put enough money into banks for it to represent much of their earnings. IIRC, from that image that was circulating around, much less than half of the deposits of even BofA are from accounts <$250k. So I don't think accounts like your grandma's are going to bear any percentage of the brunt of this.
This Giant Electric Semi Can Swap Out Its Batteries [video]
> I couldn't exactly say 'why now', but one guess is that macOS' explosion in popularity among developers and the relatively high popularity of desktop Linux within the developer community in particular have produced a generation of developers who appreciate the power and flexibility of the Unix command line but have also grown up with rich graphics on their computers from the start

This so much!

I mostly have 2 apps running: Edge and a terminal. On windows, this terminal is mintty (wonderful!) or Windows Terminal (no sixel support yet).

On wayland, I use foot or wezterm. I need plots, and it's much faster to use gnuplot without leaving the terminal

When I need more, I open excel or rstudio. Excel cells are very text centric, and likewise for Rstudio chunks.

> Maybe some day we'll escape from the 80s, but for now it seems that we are still returning to them to find 'new' material, for various practical reasons.

I use notebooks for literate programming. It seems new? (as in, I don't think it was done in the 80s)

I wouldn't say embedding graphical content is a return to the 80s, but more like making a new mashup taking the best of the old (command line interface= minimalist yet powerful) and the recent (graphics= high information density) to go beyond the limitations of each.
Yeah, that's actually about what I make but let's be real, this is a very small number of people. I have a financial planner.

Are there people in this asset class who aren't getting financial advice? Yes. But it's not like ma and pa kettle are getting wrung out by the savings and loan here.
> absolute clusterfuck that is cross-platform development

TCL/Tk
In case it helps others:

> docker run -it -p 3000:3000 node /bin/sh

> npx dalai llama

> npx dalai serve
You can't connect with what doesn't exist.
The Mennonites that have done work for me can use a battery powered tool, an air powered tool attached to a compressor on a generator, an air powered tool on my compressor (but not theirs) plugged into my house (but not by them), a wired tool plugged into a generator, but not a wired tool plugged into my house.

I just smile and nod.
That entire video is wonderful.

The segment on alternate routes (avoiding 5000m mountains, and staying below 3000m?) in case of decompression was quite interesting. Of course, in darkness and bad weather, it sounds terrifying.
Oh damn, maybe that’s why it came to mind.

I updated the comment because referencing an explicit example was *not* my intent.
If SVB didn’t get bailed out, there would be a run on small banks. Unfortunately, the government can’t bail out every small bank, so there may still be a run on the banks. Time will tell.
> Crypto is essentially a DDOS attack on a regular ban.

A "regular" bank moves more money a day than the whole cryptocurrencies market is worth. It'sa too tiny blip on their radar to DDOS them.
First, since we’re comparing numbers to each other, you should go back before Wednesday to get a real number for pre-run market cap, it’s about 2.5x that. Not that it really matters.

Second, just so we’re clear is your point that the holders of that $6B-$15B of useless paper won’t care because it’s less than $150B? At the end of the day, you don’t care what percent of the bag you’re holding, just that you’re holding it.
Just a coincidence that crises affecting only groups of less connected and less rich people rarely seem to get such high priority.
> and maybe stop tweeting images of guillotines when our employees are anxious about their next paycheck?

This is the unfortunate outcome of just mass producing us vs them rhetoric at EVERY level of discourse. Nuance is dead.
The rumors are that this device will have a much higher resolution than anything else on the market. I’m really looking forward to this launch as a way to prime manufacturers and competition to step up their game. I know the technology isn’t “ready” yet compared to how Apple normally ships their products, but I’m hopeful apple pushes through and helps build up this market segment.
The specifics may differ but I do not agree that leaders of big business have "better things to do" than try to influence the President; a lot of time and money is spent on government influence operations.
Huh. Looks like there's gonna be a bailout after all. Guess who's gonna pay for it.
Show HN: Mermaid Flow
> many of us have been outspoken about our disagreements with the techbro culture

This is an odd thing to read. I always thought you were one of the people that began SV techbro culture when you replied to David Miller’s technical critique of Solaris with “have you ever kissed a girl?”
The bank was insolvent. Prisoner's dilemma applies.

"The best response, ie. the dominant strategy, is to betray the other, which aligns with the sure-thing principle.[3] The prisoner's dilemma also illustrates that the decisions made under collective rationality may not necessarily be the same as those made under individual rationality. This conflict is also evident in a situation called the "Tragedy of the Commons".[3]". https://en.wikipedia.org/wiki/Prisoner%27s_dilemma
> I mean, if Amish people want to have a society where (in most Amish subcultures), women are essentially uneducated broodmares that aren't encouraged to do anything that conflicts with popping out babies... Is that really that much worse than how our broader culture needs to import truckloads of immigrants to maintain healthy population levels?

..huh? It’s not like the US is importing Amish from other countries, we’re allowing people who want to immigrate to work here (albeit too slowly). I don’t get this argument.

> Amish Elder to assign you a nice Amish woman

This is so far from my own beliefs in individual liberty I’m not sure how to engage frankly
Chicago's homicide rate isn't that high once you use per-capita numbers.
I tried reading a couple of articles but I'm missing the big picture. How much exactly are they in the hole?

I presume they have assets and loans to call upon. If you do the math, how much is it in the red?
> They wouldn’t have been able to survive

Or would. They lost only <2B so far, maybe they could earn it back, same way as banks make money. It's not like they were married to their bonds assets, they could do a lot of things with those.
Ask HN: Any tips for insuring startup funds beyond 250k in US?
SVB indeed made some very questionable bets, but people should remember that the Fed was saying "inflation is transitory" up until the end of 2021: https://fortune.com/2021/12/03/inflation-no-longer-transitor...

If you actually believed that narrative, you wouldn't think buying long term MBS was that risky. I think you'd be crazy not to doubt the narrative at least a bit given all the money dumped into the system during covid, I'm just saying it's not just one bank making questionable stupid decisions.
Language models don't kill people, people kill people. You know what stops a bad ̶g̶u̶y̶ mega-corporation with a language model? A good guy with a language model.

Here is what mine had to tell you:

It’s not like we don’t already have nuclear weapons, biological agents, chemical agents etc...

AI is simply another tool which can be used for good or ill. It doesn’t matter how much regulation/control you put on it - if someone really wanted to use it maliciously then they will find ways around your safeguards. The best thing to do is educate yourself as much as possible.

(sampling parameters: temp = 100.000000, top_k = 40, top_p = 0.000000, repeat_last_n = 256, repeat_penalty = 1.176471)
The bank became* insolvent as a consequence of the actions taken by a select few to encourage withdrawals; the asset-liability mismatch wouldn't have been consequential had the run not been spurred on.

I'm not giving a tutorial about how no bank will survive a run. The bank became insolvent because of a run spurred on by people like Thiel regardless of their issues with realizing losses on their AFS securities. It became insolvent^ last Friday after 42 billion dollars walked out the door

The bank doesn't deserve a bailout, sure. But depositors certainly do, and people like Thiel will hopefully be black marks for future lenders who know the risks they bring. Here's a good thread explaining where SVB went wrong - https://twitter.com/MacroAlf/status/1634626124260028419 - but in the end, they only became both illiquid (unable to sell shares being the last straw after having exhausted AFS securities and cash/equivalents) and insolvent (unable to cover debt obligations) at the hands of the people who spurred on the bank run.

^edit to correct from "illiquid" to "insolvent"
I followed the initial instructions and the 7B model worked just fine.

I tried the supplementary instructions to download some of the models (7B, 13B, and 30B), and it didn't seem to work. The prompt returned nothing after waiting for several minutes.

Is there a way to run just one of the larger models?
It doesn't matter who was banking there, from my perspective a society where we have to worry about bank runs and bank failures is worse than a society where we don't.
Parse `man` and `help` pages to get descriptions for options: https://github.com/learnbyexample/command_help

$ ch ls -vx
ls - list directory contents

-v natural sort of (version) numbers within text

-x list entries by lines instead of by columns

Script to provide `cut`-like syntax for a few `awk` features: https://github.com/learnbyexample/regexp-cut

$ echo ' one two three' | rcut -f2
two
$ echo 'sample42string123with777numbers89' | rcut -d'[0-9]+' -f3
with
I must say, truth is an absolute defense, and I'm certainly one to both value calories down the gullet crude and efficiently, and to not be terribly aware of what goes on in the font fetishizing circles (no disrespect). But I do understand information coding and that obsession over a good design. For me, its been subways and metros. I've been doing redesigns, obsessive recoloring, obsessively flipping between colors and shapes and other markers in an attempt to compress all that information down to the entropy limit. So I get it. I just don't get it with typography. Its all just letters to my viewing. Once the physical squiggle has been recognized for the abstract symbol it represents, the symbol and not the squiggle is all I remember seeing. I honestly couldn't tell you the last font I ever looked at, let alone if it had serifs or [insert typography feature, no really thats the full extent I know]. I can't say I'd ever noticed (or benefited from) a distinction between dash length. Any component of a letter under a certain length scale I mentally dismiss as likely printing dirt anyway. If it works for other people, well great and mad respect for it.

So I get it. visual design language serves a purpose. An important purpose. Its not the artful navel gazing outsiders think it is. Well, maybe some people are like that, but there really is objective purpose under it all. I'd even say I agree about rules for hyphens touching their neighbors or not. For compound words it should be a train-like-in-construction whereas in a delimiter roll like range of items it should go Boston - DC.

I just can't see having a whole dedicated set of minutely different characters fit for this purpose. I dislike it for the same reason I dislike lego sets that have a particular piece in them which isn't used for anything else in any other set and never will be. It ruins the elegance of the system. It offloads a minor design problem onto somewhere it doesn't belong (namely the character set). I want to know everything while learning as little as possible. Which is why I strive for encodings that express as much as they can with as few elements as possible.

If it were me, I'd just have '.' , '-' and '_' exist at mid, bottom and top heights and be done with it. Don't like my line length? make it whatever length you want either dotted dashed or continuous. Solves every use case, extremely composable, every permutation that should logically be there, is there. .,;:' notice anything incomplete? LHTIFE notice whats missing? qbhrnujdp damn that's frustrating. KRBPF where's the rest of the set?
my favorite is a little command line helper called “o”. it’s a helper for copy and rename commands. If I want to edit a misspelled filename I can just type

o mv mispelled.txt

and it will make an interactive prompt that looks like:

mv mispelled.txt mispelled.txt_

but the last word is editable, so I can use the arrow keys to alter it in place

https://github.com/jes5199/o
> Yeah... xterm with a few tweaks (and some pruning) would still be best for me.

Check https://github.com/csdvrx/CuteXterm for my bag of tricks :)

xterm offers the best emulation, period. The developer is reactive and maintain high quality standards. The only real issues for me are the lack of configurable shortcuts, and ligatures. wezterm is a good option if you need these, and don't depend on xterm perfect emulation.
Exactly the kind of response I was hoping for. This is super interesting, thanks for this.
https://www.nerdwallet.com/article/banking/how-to-insure-you...

The article above discusses few options. Wanted to know in general what startup community does in silicon valley?
I'm pretty sure there would have been a run some other large banks had they not taken these measures. I've gotten several emails from a major regional bank basically saying "WERE FINE TRUST US" over the last few days and I don't even have an account which means they're spamming all their email lists. I did apply for a position at them a while ago so that's my best guess why they are spamming me their unreassuring message. The several banks I actually use have not done that.
I guess the underlying consideration for us is whether developing intel within our finical servicers is a prudent move.
> I think that's a good enough deterrence against bad things.

Nah. They should liquidate the owner's private property as well to cover uninsured depositor losses. Better than making them whole by printing money and having everyone else pay for it indirectly through inflation.
brylrnr'ydnsdrwkcbttrwdnslwvhtprD

(Bass-ackwards hint: "Arabic" expresses poorly when vowels are excluded.)
Yeah, even in a case like this where they turned out to be right, it might be one of those "predicted 15 out of the last 2 recessions" sorts of things.
This seems okay. Even at par value the Fed is not at risk for losses. Their Operation Twist is largely responsible for creating the mess in the first place. This is almost like a closet Operation Twist bailout.
No. The bank was insolvent due to an asset-liability mismatch.

Regulators should have forced a capital raise last year.

It became illiquid last Friday.

Here is a good thread explaining it: https://twitter.com/MacroAlf/status/1634626124260028419?s=20
I don’t think it’s meaningless. Have you ever gone to a job interview and gotten decline purely because your personality didn’t match with the interviewer? Similarly, have you ever had a great interview because you and the interviewer shared a common world view?

A certain type of person likes this guy. This guy also hires certain types of people. The results seem predictable?
Quite. I had occasion to share this[0] in another thread, and it's relevant here, too:

> When I offer a pipeline as a solution I expect it to be reusable. It is quite likely that a pipeline would be added at the end of or spliced into another pipeline. In that case having a file argument to grep screws up reusability, and quite possibly do so silently without an error message if the file argument exists. I. e. `grep foo xyz | grep bar xyz | wc` will give you how many lines in xyz contain bar while you are expecting the number of lines that contain both foo and bar. Having to change arguments to a command in a pipeline before using it is prone to errors. Add to it the possibility of silent failures and it becomes a particularly insidious practice.

[0] https://stackoverflow.com/a/16619430/1040915
Huh? A bond portfolio always includes a significant amount of short-dated maturities to provide liquidity. SVBs decided to take on much more risk and forego short-maturations for extra yield.

Yield chasing blows up overleveraged entity, nothing new here really, except usually people rightfully criticize the yield chasers/overleveragers for being greedy; this time people are acting like SVB was a victim of the Fed instead of their own extreme incompetence.
I was trying to do this same thing to download my Dalle2 history all at once. but being behind cloudflare made it a bit hard.
> Why do you find it believable that they asked for government intervention to protect "the innocent" as opposed to simply acting to protect their own private financial interests

They are the innocent party here though (well, except for maybe Peter Thiel). The depositors didn't cause this problem.
> I’m not blaming a single person at all, but the bank in general should have been aware of this.

What does this even mean? What else is there to blame other than individual people making decisions?
> Unfortunately, the government can’t bail out every small bank

Well, they could adopt a new program providing cash loans against a variety of term investments to deal with liquidity crunches of the type SVB faced for all banks. That would be equivalent to a bailout (at negative expected cost) of all small and large banks with similar issues to SVB.

Oh, yeah, they did that today.

https://www.federalreserve.gov/newsevents/pressreleases/mone...
> The real question is why the regulators didn't notice.

From what I read, it looks like some banks are trying to stay below $250B threshold that would trigger higher scrutiny.
This is an offensive comment. Those ‘truckloads of immigrants’ are people seeking a better life for themselves in a new country. Nearly all of us Americans are immigrants. Amish woman are more than ‘essentially uneducated broodmares as well.
Most high yield savings accounts are 3.8%+ with no downsides and CDs are 4%+. Discover, Wealthfront, ally, chase etc.
Pay for it to who?

I’d agree that’s what happens with the big rescue loans that save businesses. But, that’s not what’s happening here. There just such extreme hyperbole about how this removes all risk for banks.

I guess where I can meet you in the middle is that in this crash from excessive speed (not over the speed limit, but only because they lobbied to have the speed limit raised) the customers are getting taken care of, the business owner loses his business and his competitors have to pay for the cleanup.

I’m curious how the banks feel about this. I really don’t believe that doubt about the banking industry is in their favor, even if it could be a differentiator in theory. The amount they’ll pay is a tiny fraction compared to the market cap lost this week.
> Yeah, you're right. Grid aware charging and price signals will mean charging will shift to times when energy is cheapest.

To some extent, sure. However, once you pass a certain number of cars on the road things quickly become stochastic. Just like going to the gasoline station. People will charge when they need to charge. The aggregate loads will not be trivial at all and they will not happen when we with they did. A simple example of this are long-haul trucks travelling the roads at all hours of the day. They don't have a lot of options in terms of charging schedules.

Yes, some percentage of the population will have the ability to behave as nice little robots and charge when they are told they should. Most everyone else will not behave in that way, either by choice or circumstance.
The more important question of disclosure has to do with the so-called "held-to-maturity" book, which I want to start affectionally referring to as the "held-to-mortality" book, or the "head-in-the-sand" book.

These are all fancy ways of talking about accounting tricks that banks are allowed to employ in order to hide economic losses from their financial statements. Banks would argue that their accounting tricks are blessed by the priesthood of professionals accountants, so it's perfectly legal. Which it is. It is not obvious that real-time mark-to-market accounting would have made things any better, but pretending that massive economic losses were not real was not a sustainable trajectory as soon the accounting fiction (no losses) collided economic reality (the need to sell holdings, in order allow depositors to withdraw their cash demand deposits).

Given the panicy herd psychology of humans, it has long been argued (at least since as long as the collapse of Lehman Brothers) that "head-in-the-sand" accounting is preferable to mark-to-market in order to ensure the stability of the financial system. In laymen terms, sometimes it's better for the public not to know how bad things have gotten behind the scenes. That is a kind of common sense practice for governance, and it isn't going to go away. Ironically, the answer to the SVB collapse is that you should have less informed, less rich and less well connected depositors (i.e. tame and docile customers) if you want to reduce the risk of a run on your bank, which is obvious in retrospect.
One day, on my way to work, there was a two hour backup, because the Eisenhower was closed for a murder investigation.

One day at work, making gears, I heard what sounded like fire-crackers... turns out there was a shooting in front of the gear factory. I had to drive through a murder crime scene to exit the parking lot.

Per capita numbers don't erase that from my memory.
Yeah man, thanks for this clarification, looks like I've been spending too much time tinkering with apps and I've gotten completely out of touch, haha
The N queens puzzle is a well known mathematical problem.

https://en.wikipedia.org/wiki/Eight_queens_puzzle
Given that the collapse of a bank that had less than that is now the second largest failure ever, lowering that threshold would be a pretty good start.
Western democracy is so clear