skysight-inc/HackerNews huggingface dataset:
To put it simply, the banking system essentially acts as a quasi-arm of the government, enabling the welfare state to function. The banks and the government have an implicit agreement that they will operate under the assumption that deposits are stable and, in exchange, the government will provide insurance against any potential volatility.

Throughout the past century, numerous financial crises have occurred, all of which could have been prevented by passing a simple law. This law could be as short as a single page and would simply state that customer deposits cannot be utilized to purchase assets. If a bank wants to use these funds in such a manner, they would need to enter into an agreement with the customer, similar to the relationship between Limited Partners (LPs) and General Partners (GPs) in a venture capital fund.

It is unlikely that such a law will ever be passed because it would have the potential to bring about the collapse of the nation-state as we know it. This is just the tip of the iceberg; as one delves deeper into the issue, they begin to realize that the government has largely transformed into a set of insurance programs.

If we examine the budgets of major Western governments, we can see that the overwhelming majority of their expenditures are directed towards insurance programs and interest payments. These programs encompass areas such as military spending, healthcare, pensions, unemployment/food assistance, and education.
The closed source nature of all these AI models depresses me to no end. We used to be able to make whatever apps we wanted. Then we had to fit them within limited mobile APIs. Now (if the AI wave succeeds as promised) we're locked out almost entirely.
I’m in Puerto Rico, quite literally part of the United States, and apparently we’re not American enough to have access.

Not available in your country. Sigh.
Whether you agree with it or not, the EU has proved itself to take consistently anti-big US tech stances, so I can see why they might be deterred from releasing to that market without obvious financial benefits.
I imagine it's due to the urgency with which they been trying to push Bard out the door. RLHF seems to be a key component in making an actually useful chat AI, so they want to start collecting that data ASAP. Management is probably breathing down that team's necks too, which also doesn't help.
> Everyone I speak with seems to think this is "temporary", however, the current rates are much closer to reality and may be here for longer.

IMO, it depends on how the war in Ukraine proceeds and if there will be signals of relaxing from China... in the end, interest rates represent systemic as well as individual risk and uncertainty, and the Russian invasion as well as the threat of a Chinese invasion into Taiwan (and a subsequent China-US or worldwide war) are the largest geopolitical risk factor by far.
Very weak posture on google. I'm starting to believe behind the scenes stories about it.
> Non-technical people deserve to have their personal data stolen

Nobody said that. "My defenses work" != "my defenses should be necessary".
I'd add "a lack of harm to their business when they did raise prices". Before, I believe there was a fear of backlash from the public if prices (and profits) went up too much.

But when Covid lockdowns forced temporary price increases, companies didn't see the backlash. And so they just continue to do it, knowing the average consumer has no choice in many cases.
These are valuable call-outs. They are evidence that the definition of intelligence is at best, a set of ever-moving goalposts and at worst, vague enough to be useless.

However. It seems the ML community has centered around the idea that LLMs are zero or few shot learners, meaning that despite only being trained on the task of predicting the next token, they do well on other specific, highly niche, tasks. This is surprising and important.

Predictions of immediate profession replacement seem silly. As noted in TFA, there's more to a job than the license test.
That's only the case if you have very simple documents though, like the novel in the blog post. And those aren't usually dynamic anyway. Any more complex layouts, charts, flexible boxes are a major problem for LaTeX. Even seemingly simple tables can be a pain.
I don't know who you are replying to. I never spoke about 'free stuff' nor the quality of HN comments.
In that case, is OpenAI ChatGPT available to parent commenter or not?
All good points. Let's remove the power to control money from these people.
You'd imagine that we would have move on from this by this time but no. Also not available in my country. :')
FYI, If you are abroad for longer than a year, they will shutdown call and data access for your Google Fi. Learned the hard way. That said, their technical support was absolutely robotic and useless, and might as well be replaced with Bard, whatever state its in.
seems to still be maintained by Replicant

https://redmine.replicant.us/projects/replicant/wiki/GalaxyS...

which seems to be outdated by about 5 years now

https://redmine.replicant.us/projects/replicant/wiki/DeviceS...

i admire how long devices could be used, if they just were to receive security updates...
Why do we need the mortgage industry, which charges a premium over the prime interest rate? Why can’t the Fed lend directly to borrowers? Why do we need intermediaries in the provision of mortgages?
Most (or at least, a plurality of) people who cycle or take the tube in London also drive a car sometimes; it's not like you have to be wedded to one particular transport mode. Drivers aren't drivers 100% of the time.

Reducing motor traffic makes for safer, more aesthetically pleasant streets. You can expand the pavement, have flowers, landscaping, public art, outdoor dining, etc. The air quality is better, the surroundings are quieter, people don't get run over and maimed in collisions.

And when you really want or need to drive, there's less traffic around. Nobody likes sitting in traffic jams! See this video for how these kinds of policies benefit drivers directly[1].

The carrot is having a more pleasant city. Everyone wins from that.

[1] https://www.youtube.com/watch?v=d8RRE2rDw4k
Add 10ms group delay at 50 Hz to a mix. You can very easily degrade transient response and evaluate the audible difference.

If you want reasoning of the importance, it should be obvious and it's also spelled out in the article

>> Group delay is not some imaginary construct that helps acousticians feel important, it's real — and it means, for the reflex-loaded NS10 option, that a bass-guitar fundamental at 60Hz will arrive at the listening position around 9ms after the second harmonic at 120Hz. Put another way, and expressed as a distance, the low fundamentals of the bass guitar (and parts of the drum kit) will sound as if they are nearly four metres behind the rest of the band (you can insert your own bass player gag here). Low-frequency group delay doesn't only influence mix decisions: it also varies widely between speakers and, unlike low frequency level, which can be adjusted via EQ, once its influence on tracking or mix decision has been 'printed' to the mix, it can't be undone.
Show HN: A minimal ChatGPT Emacs shell
Stop being depressed and start donating computing resources to catch up

I’m sure there has to be someone working on an open source alternative you can donate money or computing time to
Was in a hotel with my family last weekend, and took part in one of our favorite traditions: watching garbage TV. It seems like every show on the History channel is now about ancient aliens/unexplained "mysteries"/etc., with the same rotating cast of huckster talking heads. Many of the UFO-themed episodes featured stories as "mysteries" that were convincingly explained years ago (i.e., the Chilean navy video of the jet with exhaust contrails).

The question my (entertained, but skeptical) daughters kept asking was: why are the aliens permanently just beyond clear identification? They are so bad at hiding themselves that there are thousands of "sightings"...yet so good at hiding that none of these sightings offers convincing proof. Why are the photos and videos always so grainy/tiny/out of focus?

The obvious answer: the videos that are in focus are clearly not aliens. It's an example of selection bias.
Java 20 / JDK 20: General Availability
This seems way more user friendly. If you're using Excalidraw or Draw.io, you can just copy the SVG and paste it directly into what you are working on.
Would be better if they sent everyone a different poem. I got the same one as you.
Whats going on? HN told me that if depositors were bailed out then nothing bad would happen.
> This is an hour away from the tech capital of the world.

bit of a non sequitur, eh?

That tech capital is full of the kind of people who've argued (on this very website) the position that ALPR exists and it'd be so damn easy to break any laws governing their use, so they might as well make the best damn ALPR product available and we all better get used to it.
If no one can afford even a down payment it's because supply is too low. It's not like there are tons of empty houses that mortgages are preventing buyers from acquiring.

Also first time home buyers qualify for very low down payments, like 5%, fwiw.
Probably by not giving people loans for houses, which would make them equally unaffordable for people, but in a different way.

A 400k house might instead be a 200k house, but you will never have 200k in cash compared to 20k for a down payment on a mortgage.
The EU has about 1/18th of the world's population, so certainly that would be a rather small minority.
Seems to be 'not available' in Australia.
EFF has an excellent tool to check your browser's fingerprint uniqueness:-

https://coveryourtracks.eff.org/

I use a lot of browser extensions. Unfortunately, this makes my browser easily identifiable.
lol, google will routinely still show me swedish maps results when I haven't been there in 8 years. They're notoriously bad at this, it's ridiculous.

Of course I agree that this is high-risk in that their location thingy is unstable and trigger happy enough as is, and good luck reaching a human if some system does decide to block you.
What is group delay? Couldn't understand wikipedia.
I got the same poem, so off to a good start on the vapourware front.
It also shows this in Canada, sigh
>. Tests of humans have evolved over a long time and large sample size, and humans may be more similar to each other than LLMs are, so failure modes may be more universal.

In reading this the idea that sociopaths and psychopaths pass as "normal" springs to mind.

Is what an LLM doing any different than what these people do?

https://medium.datadriveninvestor.com/the-best-worst-funnies...

For people language is spoken before it is written... there is a lot of biology in the spoken word (visual and audio queue)... I think without these these sorts of models are going to hit a wall pretty quickly.
What does inflation look like in your hypothetical with 20% interest? Do house prices not inflate?
More-over, in most states, passing that bar isn't enough to practice.

In most states, the bar exam is just one component. Humans also need to pass several demanding courses in law school, and to get into law school they need to get a BA/BS degree, which again requires passing several demanding courses and writing various essays.

That's just to be allowed to practice law. Getting an actual job as a lawyer often means internships of one form or another, and then spending some time at the beginning of one's career as a de facto apprentice to a seasoned lawyer.

These sorts of exams play a very particular role in evaluation of humans.
There is https://github.com/BlinkDL/ChatRWKV you could try.
Your comment has no doubt provided some future aid to a language model's ability to "say" precisely this.
I was a UX prototyper at Microsoft myself, that’s how I met my wife who was working as a UX designer in the same studio. We didn’t have a name for it, my official title was just SWE. I haven’t heard of UXE being a real title at the current FAANG I work for, but I no longer work in a design studio.
You don't pay Spanish taxes if you don't derive any income from Spain and if you are less than 183 days per year in the country. If you are more than 183 days per year in the country, there's a Spanish tax treaty with the US, and you pay US taxes on your US income anyway.

And if all you have is $10mm on your checking account but no income, you don't pay any taxes anywhere.
"Bard won't always get it right"

That's like saying "the imp you summoned and are keeping in a cage won't always tell the truth" or "fever dreams won't always be true prophecies of things to come".
Yes. Housing is a human need just like breathing air or eating food so if you can create artificial scarcity there you create value out of nothing. The average home cost around $50k in materials to construct, but after it’s assembled it magically worth 250k? Lol the math doesn’t make sense.
Bastard operator, checking in. Cut my teeth on paper, then tape, then disk.

$ sync;sync;sync # three syncs in rapid succession is interpreted by the tape machine as a rewind command .. on card tray, shuffles cards to settle

$ sync # one sync, just syncs to tape at current stream position
That struck me too, I'm doing it around once a week!
The problem ChatGPT and the other language models currently in the zeitgeist are trying to solve is, "given this sequence of symbols, what is a symbol that is likely to come next, as rated by some random on fiverr.com?"

Turns out that this is sufficient to autocomplete things like written tests.

Such a system is also absolutely capable of coming up with sentences like "I can pass a state bar exam but I'm not ready to be a lawyer because..." - or, indeed, sentences with the opposite meaning.

It would, however, be a mistake to draw any conclusions about the system's actual capabilities and/or modes of failure from the things its outputs mean to the human reader; much the same way that if you have dice with a bunch of words on and you roll "I", "am", "sentient" in that order, this event is not yet evidence for the dice's sentience.
> For better or worse the USA implements the right wing view. There isn't any such thing as "spirit of the law", there's only law, and judges are relatively restrained when it comes to the creative invention of new law by (mis)reading existing law.

This is simply materially wrong. Like it's not even close. It's literally contra the basic language of law.

> This thread is a mess because it hits on one of the fundamental ideological divisions between left and right.

While there is a value split traditionally nobody has some weird legal positivist view of the law where we can only take things super literally.

> Google's behavior was guided by lawyers who were implementing the standard understanding of litigation holds.

I promise you no Google lawyer instructed their CEO to tell someone to move to off the record chat while under a hold. The lawyer response here would have probably been to group this under a priviledged meeting.
The parent said:

> I'm at the point where I'm preparing to integrate models all over the place

Nobody understands these models right now. We don’t even have the weights.

You may draw some artificial distinction between literally checking in the source code of a model into your git repo and making a call to some black box API that hosts it. And you may claim that doing so is no different than making a call to Twilio or whatever, but I think there is a major difference: nobody can make a claim about what an LLM will return or how it will return it, cannot make guarantees about how it will fail, etc.

I agree with zer00eyz.
Yes, that would be the market interest rate based on supply/demand, as any other good. If supply >> demand (a lot of people have a capital they don't know what do to with) then you get a low interest rate, otherwise a high interest rate.

Centrally controlled interest rates are basically price controls. The govt controls the price of money. Even a 5 year old knows price controls don't work, but we can't expect that from the govt.
Let's just say Google is far more mainstream than ChatGPT. Non-tech Normies who haven't tried or heard of ChatGPT will hear about Bard trust Google and would want to try it asap.
Google cant even get my language right - and its right there in my request headers. For some reason they always want to base it on geolocation.

And then, when you go to change the language, it shows all the language options in the language you are trying to translate from. So useful for people travelling to countries where they dont speak the language, or cant distinguish the characters...

Geolocation is a sucky way of deciding anything about a user.
Hmm. This is not correct. Bard can write code.
"The new A.I. chatbot will be available to a limited number of users in the United States and Britain and will accommodate additional users, countries and languages over time, Google executives said in an interview."

So no, no they didn't release it.
But it's not 'get out of spain'. It's 'get out of spain and wait 6 months for Google to decide you are no longer spanish'.
I laughed; but, this is truly a sad state of the trust in them. :(
Why not generate and post the article ahead of time!
I've done what I'd describe as pair programming with GPT-4 yesterday rebuilding my blog from Ghost over to Next.js. Using tailwind CSS, we tried and worked through animations and other such tricky aspects I usually find tedius but after a mistake or two, we tried different things and eventually ChatGPT nailed it and saved me lots of time.

The keyword in your comment is "premature" hype. I'm betting that within this decade we'll see how far all this will be going and that's quite some change at a pace we haven't dealt with before. Let's see what you think in 5-10 years.
with the paired announcement post at: https://blog.google/technology/ai/try-bard/
For one we hadn't gutted Glass-Steagall yet so banks were still separated into investment and savings/commercial so banks weren't as leveraged. We keep undoing and rapidly relearning why these things were put in place and the cycle from repeal to collapse is only getting tighter.
Maybe its to save you from making comments like "I am not going to use any Google product ever, since they canceled Google Reader ..etc etc"
Should HN Ban “I Asked AI to Create...” Type Submissions?
Look, I'm as interested in the huge leaps forward in AI as all the rest of you techy nerds. And I read most of the stories about the technology itself. But please, for the love of $deity, can we outlaw the completely pointless "I asked AI to create..." type submissions?

Every day there are dozens of them; "I asked AI to write me a haiku...", "I asked AI to paint me a picture...", "I asked AI to help me learn coding...", "I asked AI to write me a blog post...", "I asked AI to tell me a joke...", "I asked AI to write a poem...", "I asked AI to write a short story...", "I asked AI to design a new trouser press..." etc etc et-bloody-cetera.

And, almost without exception, these submissions are of no interest whatsoever to anyone outside of the person who typed some crap into ChatGPT [or other AI] and was so proud of the outcome they decided to share it with the wider world... whether or not the wider world could give a shit or not.

Yes, we all know you can type almost any kind of prompt into an AI chatbot and get some "interesting" text or imagery in response. But after the 1000th such submission it's about as interesting as hearing that someone sent an email or installed a new app on their phone. It really is the adult equivalent of running excitedly home from primary school, clutching the crappy drawing you did in class and insisitng it get stuck to the fridge door.

Please. If you want to play with your AI chatbot, just do it quietly in the corner. The rest of us DON'T BLOODY CARE!

Examples:

https://hn.algolia.com/?q=i+asked+AI

https://hn.algolia.com/?query=i asked GPT
The new design is already in Drive and Docs - And it's just a new UI for the same embedded account switcher that's existed. Odd that it prevents switching, but it's probably enough to deter at least 75% of people trying to sign up multiple accounts for the waitlist.
I imagine kind of defect can be fixed with more fine tuning / RHLF
>Bard isn’t currently supported in your country. Stay tuned!

>Stay tuned!

No, I don't think I will.
It hasn't been updated in a long time (and there has been further consolidation), but a site someone built many moons ago to show this based on board of directors membership is https://theyrule.net/

The reality is probably less than 10000 people globally control more than half the wealth in the world, these people control that wealth both individually (billionaires) and professionally (fund managers and board members). This is a result of unequal outcomes from the rise of globalization and the Internet. The world is a more interconnected place, including in finance and business, which squeezes out smaller players and rewards more handsomely cooperation on a global scale.

Nonetheless, all of the evidence, at least in the US, points to small business ownership as being one of the best pathways to financial independence and familial wealth. It is not necessary to create a globally recognized publicly traded company and to become a billionaire to set your family up for success in a way that is not open to most in the world, you can do this simply by finding a niche and excelling in either global niche markets or in your local market.
I think it's 10-12%. That's the rate I am able to get money from private investors at.

What rate would you feel comfortable loaning money to friends or colleagues at?
I'm on Firefox and I could join the waitlist.
Before everyone gets excited yet, it's not actually generally available yet. It's behind a very limited waitlist.
The models you can run on your own hardware are getting a lot more capable right now: https://simonwillison.net/series/llms-on-personal-devices/
"After years of cautious development" Google makes another very cautious step towards a product release.

I can't imagine why even their waitlist itself needs to be geo capped completely, just let us join, release it to some US users first then sign me up when it's ready globally.
I find it silly for everything outside financial and legal services. It’s usually trivial to get around though.
Confirmation bias is one hell of a drug. Combine that with legitimate issues of credibility with a lot of "journalists" who have earned their bad reputation.
Well now I'm curious. What brand?
The original davinci was actually pretty good at it: https://gwern.net/gpt-3#stanislaw-lems-cyberiad
When I played Dishonored (very recommended if you like "a thinking man's FPS") I thought the whole Victorian "whale oil economy" of the game world was very interesting but ultimately fiction, but somehow the game triggered a desire to learn more about the actual history of whale oil usage and I was surprised that the basic idea of the game's economy based on whale oil wasn't that far from the truth.
I agree, it seems inevitable that github would include this sort of auto-resolve functionality. I have had good luck with GPT outputting unified diff and LSP format. As the neighbor comment mentions, context window will be a limitation especially with large codebases - I'm thinking for that, it will be necessary to either be able to fine-tune or to summarize the rest of the code base and take multiple requests, and store the results of these intermediate summaries. I can construct this sort of thing by hand on larger codebases already, surely it can be automated to a large degree.
It's not like "ChatGPT" is a particularly good name...