skysight-inc/HackerNews huggingface dataset:
All of this honor-amongst-thieves bellyaching is bullshit. I'm sorry. These are venture capitalists, emphasis on capitalist. The only thing they have ever or will ever care about is the amount of money a given action makes or loses them. That's it, full stop. SVB lent to these people knowing that full well, and knowing the risks of relying on VCs for their long bets. They are to blame for their choices.

I have sympathy for nobody in this debacle, except maybe the federal government for having to clean up the mess.
If you can recover full capital from a selloff, SVB wouldn't be insolvent in the first place. The reality is that you can't, which is why we are here. The haircut is probably, also, deeper than 1-10% because otherwise SVB would have borrowed this money against its own "capital". Clearly, that was not possible too. The haircut seems to be quite big but there is no information whatsoever about how big the losses are.
> React famously asserts "it's just javascript".

I think that specifically deals with when using JSX, compared to other templating systems.
I’m not going to be using this site to guide my opinions of VCs, I don’t generally outsource that much of my opinion-making to 3rd parties. But it does broadly reflect my opinions, you could get a very rough “general direction” picture of how I think from reading it.

“It’s rational to join a bank run, VCs would have been negligent to their companies if they advised to stay”

I know! Believe it or not I have studied a fair bit of game theory, enough to go beyond “it was a prisoners dilemma” and analyze the SVB collapse as an iterated prisoners dilemma with variable information/reputation and a small number of rounds (in this case the amount of information/reputation broadcasting very quickly drove the whole population to “defect always” and the ecosystem rapidly collapsed).

I trust myself to be capable of assigning blame for the bank run correctly (broadly speaking: I. nobody started the run, everyone joined it; II. joining the run earlier is very slightly more blameful than joining the run later; III. being part of the run “loudly” is very significantly more blameful than being part of the run “quietly”).

That is maybe 20%, while the other 80% and thus the real albatross here is the demand to be made whole afterwards.

Roughly speaking the least blameful is “you’ll get 250k immediately, a substantial fraction soon, and almost all eventually; if this still kills your business let us know and we’ll try to arrange bridging finance”, while the most blameful is “the government must promise to make us whole on Monday morning or the contagion will spread; use taxpayer money if you have to, this is that important”.
Show HN: GPT-CLI – A Command-line Interface for ChatGPT
Hello HN! I'm excited to share my pet project, gpt-cli, a command-line interface for ChatGPT that makes interacting with the AI model easier and more customizable. This CLI tool enables you to chat with ChatGPT, choose between different assistants, and even create your own customized assistants by specifying the model, temperature, and top_p parameters. You can also set default configurations, making it a breeze to switch between assistants for various purposes like general assistance or software development advice.

gpt-cli provides a seamless experience with multi-line input and easy-to-use commands to control the conversation. It allows you to clear the conversation, regenerate the last response, or exit the session with simple keypresses. You can also override model parameters on the fly to fine-tune the AI's output. To get started, simply set the OPENAI_API_KEY environment variable or put it in the ~/.gptrc config file. Check out the README for more details on usage, configuration, and customization possibilities. I hope you find this tool helpful and fun to use, and I'm looking forward to your feedback and suggestions!

This post was generated by GPT-4 based on the project README.
I find myself wishing more and more for a wifi‐only tablet in a phone form factor.

Sure, I recognize that I’m in the minority here, as someone who keeps his phone in airplane mode/wifi‐only mode all the time. But it doesn’t mean giving up much: most of my messaging (including replying to texts and checking voicemails) can be done from the browser, GPS navigation works fine without an internet connection (maps can be trivially preloaded), and when I desperately need internet access while driving I can pull into any Starbucks, McDonalds, or Walmart.

Mostly I do this for philosophical reasons (basically, purposely downgrading the importance of phone notifications relative to what activities I’m physically doing at a given time), but the security advantage of smaller attack surface is a benefit I hadn’t considered.
Wouldn't this not be prisoner's dilemma then? If I pull my money out, I'm in the same spot as before with my money parked at a different bank. If I don't pull my money out, I'm either in the same spot as before or even worse off.

In this case, starting from the perspective I have a choice (and thus the bank is still liquid), I can only do at best the same as I would have done if I pulled out.
Yep - I know a pineapple farmer (who has a variety of new and old tractors of different brands) and in the extended stretches between planting and picking he repairs the older tractors (some are around 40 years old).
It's an iterated prisoners dilemma. The first prison was called SVB, the second is called Signature bank. Is First Republic Bank the third?
Roku had nearly half a _billion_ uninsured at SVB! I get how a small startup maybe overlooks their cash management, but how do you get to the size of Roku and have that? Treasurer/CFO should be fired.
You mean Welfaretarians.
There's a ton of control that prompt crafting alone gives you. There's also the choice of which version of midjourney to use, and various meta options that it gives you.

The copyright office clearly has not the slightest clue about what they're talking about when they claim that the AI is the sole creator here. AI generated content has always been a collaboration with humans, and there's always human creativity involved.
>YouTube doesn't just disappear videos randomly

My experience couldn't be further from that.

When I look through my "Watch Later" list, probably 10% of videos are missing. I think you have to choose "show deleted".

I've been planning to set up a script that uses yt-dlp to auto-download the new videos on my Watch Later list every night, but haven't got around to it yet.
Curious if this library can be integrated with WebGPU - there is a recent post on (https://news.ycombinator.com/item?id=35191687) announced that WebGPU can now be used for large models
I've been taking photos since I got a Casio QV-10 which took 320x240 photos, and lost them if the batteries ran out of charge. I've had about 10 cameras along the way, and each one was an incremental improvement over the last.

Constraints make for good art, and after my Nikon D40 DSLR broke, I got a really cool photo[1] with a $100 point and shoot and playing around. (The L20 has a "action mode" where it keeps taking frames until you tell it to stop), so I laid down in front of "The Bean" and made a hemispherical panorama, with the aid of Hugin[2].

There's still plenty of fun to be had, and you can get amazing cameras cheap these days.

[1] https://flickr.com/photos/---mike---/51858792421/in/datepost...

[2] https://hugin.sourceforge.io/
The way I understand it, young people heading startups are often financially and businesswise naive, and SVB would hand-hold them through a lot of things they had to do regarding banking. You could walk in with your documents and they would set everything up for you with enthusiasm. This is difficult to find in classical banking.
Janet has just declared that. The Banana court will determine whether you are worthy of full insurance or not. As a bank. I wouldn't be surprised if we have more of these in the future, that the insured parties will be favored too. "Oh, we are only covering X and Y, because they are systemically important to the rest of the economy".

Buy Banana futures while it's still cheap.
That's insane. This JS has to be loaded before they can start any of the actual requests. It should be on the most performant host possible.
The coordination difficulty is not symmetric.

You are on a boat that hit an iceberg. There are enough lifeboats for half the people. If everyone bails water together, you will just barely be able to keep the boat afloat.

What do you think is easier to coordinate - a dash to the lifeboats, or getting everyone to bail water?
yes, I would have thought the "better" version would be

int tobias[24];
delete tobias;
No, it really isn’t. It may lead to insolvency, but that is by no means a foregone conclusion and can play out in different ways.

At a simple scale, If I own a $200k home outright and have $50k in credit card debt that I cant pay then I file for bankruptcy, negotiate with creditors to sell my home and pay the debts, and come out with $150k in assets with no liabilities. I was always solvent.

This happens daily in the business world’s bankruptcy courts. (Of course some of them are also insolvent)
Call me naïve, but if I put money in a bank I should be able to get it back whenever I want. If I didn't want it to be liquid, I'd buy something less liquid. The very concept of a bank run is ridiculous. If all a bank's customers want their cash back, they should be able to get it back without affecting the liquidity of the bank.

Transaction accounts don't earn me anything and have fees of their own. There's little incentive to stay at one bank over another. If they want equity, they should sell long-term secured loans with LVRs under 100% or lock in my cash with term deposits or any number of other less liquid asset classes. But why should I feel guilt over moving my cash from one bank to another?

Maybe it's because I'm Australian but I feel our banking industry is significantly more stable. The last time a bank had any serious issue was 1990 and it was a (single bank that itself was bailed out by the government). Australian banks make their money through mortgages (averaging less than 80% LVR or insurance-backed if higher and with fixed terms of generally no longer than 5 years), credit cards and management fees on long-term investment products -- they don't rely on investing cash deposits on long-term illiquid instruments.

The fact this doesn't seem to be the case should raise questions over the entire US banking industry. Cash should be liquid.

Edit: For reference, APRA (bank regulator in Australia) has some very strict liquidity risk management requirements and most banks own liquidity requirements are significantly higher than this: https://www.apra.gov.au/apra-explains-liquidity-banking -- an Australian bank would never be allowed to purchase a 10-30 year bond to match against cash assets.
I’m sorry, this was an utter mess, shouldn’t have happened and lots of people share blame. But I don’t think it was wrong for depositors to pull deposits from an insolvent (or nearly insolvent) bank. Neither is it wrong to encourage companies you’ve invested in to move money. The only thing I have a problem with is when some of the VCs, like Jason Calacanis, deliberately tried to spread panic to other banks to make SVB more important to the government so they’d backstop his deposits. That was pretty bad.

But realizing your badly run bank is badly run and pulling your funds and encouraging others to do the same is a very reasonable thing to do. Certainly not worthy of this virtual tar and feathering. They are, or would have been, the innocent victims of this banks poor risk management.

Edit:
Link to tweet of screenshot of Jason trying to get everyone to panic about the entire banking system, with the only fix is the government to backstop large SVB deposits. https://mobile.twitter.com/nuancerocket/status/1634922146555...
I hope it's just that and the costs quickly go down. Seeing the cost of gpt-3.5-turbo, and since many rumors have stated that GPT-4 isn't much larger than GPT-3.5, I wasn't expecting such a high price.
The Prisoners' Dilemma analogy was covered in Ben Thompson's Stratechery article this week: https://stratechery.com/2023/the-death-of-silicon-valley-ban...

He first made this argument in 2017 in an article about Uber: https://stratechery.com/2017/the-uber-dilemma/
One of my close friends was recently scammed out of $203,324 and the scammer used a text message, from an invalid/unused number, as the entry point. The full scam was quite involved and took a little over a month to run through.

She is an immigrant and her parents cleared out a savings account in the process (the scammer convinced all parties involved my friend would be deported unless…).
Hah, OpenAI was a nonprofited before it pivoted on a dime^H^H^H^H $billion.
Wonder why they didn’t go with the other google language Dart

Too foreign to frontend audiences? It has a lot of fans in flutter
SVB became insolvent.
Tried your question and GPT-4 seemed to do better than what I had come up with? Unless I am missing something?

My own thought was that the motor skill for catching is more complex.

GPT said, to summarize:
1. The motor skill of catching is more complex
2. The cognitive skill of catching is more complex (trajectory prediction)
3. It's easier to practice throwing since it's entertaining to do it solo, don't need a partner.

1 and 2 sound like great answers, 3 an average answer, but I regularly hear humans come up with worse.
It's not hard to imagine some decentralized GPU network akin to seti@home that could enable a community to train models on the scale of a big corporation, without any individual member of the community being a billionaire.

Also, keep in mind it's in the best interest of the big companies to exaggerate the cost of the systems they use to train their models.
This was commented elsewhere, but the auditors were correct in that situation. This was not a case of fraud, where the bank had less money than they said they did. KPMG's job was to verify that SVB's public statements were accurate, and they were.

SVB's precarious position was not a secret - saw a good post from mid-Feb that predicted exactly how this eventually played out. The only other thing KPMG could have done is give a "going concern" warning, and that would have been incredibly reckless because it would itself have caused a run on the bank.
You can do it all; going to the polls takes the least amount of effort out of anything else.
You can't blame the depositors or the VCs in this case for SVB's failure. Only SVB was responsible for taking on naked long-term risk and being unable to meet current obligations.

At the time the VCs advised their portfolio cos to pull funds out of SVB, it was a perfectly rational reason because only 2.7% of SVB's deposits were FDIC insured. That means, there was no guarantee of the Fed, treasury and FDIC would take the action to make good all depositors.

The entire site appears like something from an affected party (shareholder/investor/exec/boardmember of SVB) who lost their shirt in this fiasco and has an axe to grind. Just saying. Not sure why the are not naming and shaming the former SVB execs and boardmembers who missed to identify these risks early on and mitigate them.

The failure of SVB is just capitalism, isn't it? They risked their capital on a business that took bad decisions, so it is only fair that the specific company (SVB) ceases to exist and something else comes up to take its place.
Straight out of camera jpegs are also postprocessed, but the decisions are made by software running on the camera instead of interactively. Anyone complaining about this has a poor understanding of the technology.

Of course, there are legitimate concerns about deceptive manipulations of photographs that purport to be documentary in nature.
VC and startups were facing a prisoner's dilemma, and they picked a viable strategy.
It's clear you don't understand or don't want to understand.

If the existing organization wanted a union, it would have established the union itself.

If it did not, it's parasitizion of an existing organism.
I agree this probably shouldn't be here, but I took all comments from this thread and asked GPT4 to 1) break down all arguments into axioms and 2) try to resolve them. Since I feel like this is pretty fascinating and a good read, I decided to paste this here.

Here's the reply:

------

In the discussion, various arguments have been presented surrounding the claim that women are 41% more likely to experience toxic workplace culture than men. Here, we break down the arguments into axioms and attempt to resolve them.

Argument 1: The data only shows that women are more likely to report toxic workplaces.

Axiom 1A: Women are more likely to report toxic workplaces than men.

Axiom 1B: Men are less likely to report toxic workplaces, possibly because they don't want to be perceived as a liability.

Argument 2: People typically report toxic workplaces when they are indeed toxic.

Axiom 2A: If a workplace is reported as toxic, it is likely actually toxic.

Argument 3: Men might react differently to toxic workplaces.

Axiom 3A: Men may take direct action against a former employer rather than report them on Glassdoor.

Argument 4: Women can also create toxic work environments.

Axiom 4A: Women can engage in aggressive and indirect behavior towards each other.

Axiom 4B: Evolutionary instincts and competition for resources, attention, and prestige might drive this behavior.

Argument 5: Cultural expectations shape how men and women respond to negative experiences.

Axiom 5A: Men are culturally expected to internalize negative experiences.

Axiom 5B: Women are culturally expected to attribute negative experiences to external factors.

To resolve these arguments, one could consider the following points:

1. Acknowledge that the data may reflect both actual toxic workplace experiences and differences in reporting rates between men and women. This would account for Axioms 1A, 1B, and 2A.

2. Recognize that both men and women can contribute to toxic work environments, as illustrated by Axioms 4A and 4B, but also acknowledge that they may respond differently to these experiences (Axioms 3A, 5A, and 5B).

3. Encourage open dialogue about toxic workplace culture, focusing on the experiences of both men and women, while considering the various factors that might influence their behavior and responses.

4. Promote research that investigates the different factors that contribute to toxic workplace culture, including individual, social, and cultural factors, as well as potential biases in the reporting of toxic workplaces.

By addressing these points, it is possible to gain a more comprehensive understanding of toxic workplace culture and the various factors that contribute to the differences in reported experiences between men and women.

------

As a fun exercise I made it generate a graphviz digraph from it: https://dreampuf.github.io/GraphvizOnline/#digraph%20Toxic_W... (prompt: Write a graphviz digraph based on your previous response.)
The FDIC stepped in this one time, where's the guarantee they will step in every time to cover uninsured deposits?
Future CSS: Anchor Positioning
Kaiseki
The EU is planning to fund public LLMs. leam.ai
I don’t understand how the iterated prisoner’s dilemma makes a difference.

If you are a founder who withdrew all your company’s money, then your reputation is neutral or perhaps positive. You saved your company. You did “whatever it takes”. These are good qualities in a founder.

If you are a founder who left your company’s money in SVB, nobody is going to give you a medal for that. Instead it exposes you to questions such as “Why did you have so much cash in one place?”. If depositors hadn’t gotten bailed out then you also face the collapse of your startup, your coworkers losing their jobs, etc. So this is definitely a much more negative outcome iterated or not.
Perhaps they could also mandate an update to the antiquated voice prompt voicemail systems that make deleting and managing voicemails so tedious and guy wrenching as well... T mobile voices literally adds a huge annoyance to the process of getting rid of scam voicemails with their ancient voicemail system...

"Before hearing your new important message, wait and listen to these 6 messages that are marked for automatic deletion" Ugh...
You learn from failures, and failures are expensive. I wouldn’t call SpaceX a money loser though.
i would guess locomotion is more physically pre-hardwired. other (quadruped) mammals can walk right after birth.

https://www.scientificamerican.com/article/human-babies-long...
How can this organization exist uninterrupted?
It's just petty corruption. The FED has raised rates (many people will lose from that). Some people don't want to lose from that. The FED decided to not raise rates (ie: holding your low-rate bond to maturity is basically that) for some people. This "some people" are denominated "systemically important"; in other countries they are called "friends of friends", or "oligarchs".

This is the closest the West can be to the East. We finally had the "rapprochement"!
Something I've begun thinking about after playing with GPT-4 is that I could see within a year or so any of my new software development projects being a "no code" setup using comments to define functions and correct problem areas but leaving all actual code to the generative AI.

In many ways software projects for years now have this issue.

A decade ago when ruby on rails scaffolded out a project - is the result copyrightable according to the new guidance?

Separating out copyrighting software design at a comment level from software implementation is going to be the direction this all goes as the tools rapidly get significantly better.

Which is also going to be great, as imagine how a codebase designed this way might be able to be switched to a new language or switch out the 3rd party API being used or database being run on.

People are worried about protecting their busy work rather than evolving with the technology to establish their value above and beyond the busywork parts.

My value in software engineering isn't in typing up the loop, and less even in knowing that I'll need one. It's in knowing how to manage complexity across a broader cross integration of concerns. The way I'm doing that will change as technology advances, but it will still be some time before that part is automated too.
To be pedantic, I'm pretty sure a big enough bank run could topple your banks too. Where do you think they get the cash to lend out from?
I guess then you could use some heuristics and ChatGPT to tailor the press release to the particular viewer.

For example if the user has a screen resolution of three 4K monitors side by side, using Linux, and coming from a Silicon Valley IP address, they are probably a developer. If they have the screen resolution of an iPad Pro and a New York IP address they are probably an executive on the go. The HTML5 accelerometer API might also say something about whether they're reading your press release in bed, while sitting, or standing. Use ChatGPT to reword the press release appropriately.
It's going to be more like a pervasive utility. Once upon a time, there were cassette tapes and Dolby NR. Lots of tiny licensing fees for all the goes into the secret sauce.

https://en.wikipedia.org/wiki/Dolby_noise-reduction_system
That is not what banks do, its the modern banking system.

That's what bitcoin was all about..
> VoLTE will work over 5G

Doesn't 5G use VoNR? Or does VoNR imply the same SIP call format, but just over 5G instead of 4G?
They do remind you to call a counselling number if you're addicted to gambling after the FanDuel commercial that tries to convince you to gamble though... So there's that... sigh
I don't know about you, but I'd way rather not be able to get calls until Monday than be vulnerable to this exploit.