skysight-inc/HackerNews huggingface dataset:
https://x.com/pitdesi/status/1802337976623755701

There was a good thread about this on Twitter which the CEO of Bilt responded to.

Summarizing the WSJ article it sounds like Wells Fargo made some bad assumptions when underwriting the card, specifically:

- 65% of the spend on the card would be non-rent (in reality less than 30%)

- 50-75% of the balances would be revolving (in reality 15-25%)

Here's a direct link to the CEO's response:

https://x.com/ankurjain_2/status/1802370451714281930

The main points seem to be:

- Bilt is helping Well Fargo acquire high value customers.

- It's still early on in their partnership and the numbers can change.
I understand your point, but not sure I would accuse those that misinterpret these things of lying. Many people are educated enough to know that the massive explosion in human advancement was heavily fueled by exploitation of some kind. They simply don't understand exactly what those exploitations are and the resulting effects they've had.
That's what every model was before rlhf! Go try GPT-2!
To set the record straight, I was the one that reached out to the creator to get his story, because I thought the cards were cool. He would not have spent the time doing this interview if I hadn't asked him to.
The new emerging hybrid model of non-profit foundations paired with for-profit businesses is certainly interesting, as it combines some "greater good" principles with the ability to build products and run businesses in a modern competitive market. I feel it may take some time to work out the details of these models. The biggest example we've seen is OpenAI, which, in my opinion, still hasn't solved this model and is torn between lucrative multibillion business opportunities and adherence to its founding principles.
Other way around. Horse domestication was around 5000 years ago. Agriculture started around 12000 years ago and by around 8000 years ago had spread pretty widely.
> It seems clear that drones are the 21st century weapon of choice.

Only for targeted attacks. The Russian way of prosecuting war is still a shower of shells, rockets, and a mob with guns. Drones are retail, Russians do wholesale.
Yup. That is where the money is, it isn't in "hobbyists".

It will be interesting to see if the RISC-V efforts will allow for vendors to supply "50 year" SBCs (which is to say they are guaranteed to have pin-for-pin and bug-for-bug replacement SBCs for the period of 50 years.) That was a weapon system requirement back in the day that got waived for electronics because vendors couldn't "force" chip makers to keep making the chips they would need for repairs when there was no volume. But if you can define a socket/footprint and then drop in an FPGA "core" which can evolve but always appears to the circuit to be the same processor, that will be an interesting evolution point.
I mean, sure, there's probably an upper bound of a number I'd pay, and I don't do enough photo editing to justify paying really any amount of money for Photoshop.

For software I'd actually use though? Upper bound is probably $600 judging by what I paid for Toonboom Harmony. Honestly if I had known about Moho at the time I probably would have gotten that since it's considerably cheaper and on Humble Bundle fairly often.

I'm not in a creative industry so it's tough for me to know "fair" numbers, just "what can I justify as a toy" numbers. I like to occasionally whip out an animation tool and draw stuff with stick figures, and I like having that readily available, and I don't want my tool to change from under me so I don't want transparent updates. I just want to buy my software once.
This is why big business is not an ally for anything that makes health care cheaper or easier to engage. It's a great system for them.
Building a virtual machine inside ChatGPT (2023)
LDOs are much smaller and don't produce noise like switch mode power supplies. It's true you will waste some power but that can be minimized by making the dropout voltage as small as possible.
Davinci Resolve is miles better than Premiere. I don't do a lot of compositing, but I know more and more people are starting to use it over After Effects as well.
Completely agree! I also refuse to put gas in my car because I know that prices will go up later...

Or on a more serious note: I use Affinity professionally (previously PhotoShop). Why would I care the slightest about what they might or might not do with their pricing model in the future? I need software that delivers right now.
Generally it goes like this:

1. Government entity (usually the US or EU country) pressures the host country's government

2. Host country's government makes a legal request to the company for info on this user.

3. Company adds logging for that specific user.

4. Logging is provided to all those interested.

5. Host country prosecutes (potentially extradites).

There's a public accounting of this happening for Proton and Mullvad too iirc.
If it's not disclosed, it's a surprise charge. End of discussion.
You can argue as you wish, but let me give you a sample size of one: if garbage starts to pile up on the streets and pay for hauling it away also skyrockets, I'll be the first one picking it. But that would be free market and nobody wants that, right?
Will it be a huge increase in spending? Isn't it estimated to reduce costs by a lot?
Interesting! I haven't read much on Wake island yet, there's so much to read and learn!
Make it hackable and they'll probably be around forever.
I’ve just been considering getting into drone photography. Do you have any opinions or resources to share?
As someone looking to drop Lightroom, what did you move to? Last I checked everything else sucked pretty bad.
For real. I made $400k+ multiple years working for myself in a business that was a mix of product and services. But then divorce, business changes, and my own values shifting pushed me to get a tech job where I made even more, working less, with less stress. It was a great move, though I had to let go of some of my ego to do it.

That said, after about five years of that, I'm ready to get back to working for myself.
I think it's a shame that we don't breed more fuel. The majority of mined Uranium 238 can be made fissile in a breeder reactor (fast neutrons), just like with Thorium. It does require reprocessing, which is a taboo topic due to proliferation concerns.

Plutonium doesn't build up in a breeder reactor, the fast neutrons split it. Our existing light water reactors have a build up of plutonium over time. I guess that's desirable when your objective is bombs.

A lot of the long lived radioisotopes get broken down in a breeder reactor, so the waste degrades to safe levels much quicker (a few hundred years).

The Gates backed reactor (Terrapower) in Wyoming is using fast neutrons.
As they say, socialize the losses and privatize the profits.
Yeah I think sometime in the last 20 years it became very uncool to appear to be elitist about anything cultural. As a result there is no cachet in appearing to have elevated tastes and no stigma in liking trash. Personally that suits me as I like both Pulp and the Canon, for example. But on the other hand I think it is destructive for current writers who are doing anything remarkable as it usually does take tastemakers of some kind to bring their work to general attention.
Does this work for user defined classes (objects) as well?
McDonald's pauses AI-powered drive-thru voice orders
Not always. Lot of smart people realize hard work beats talent.
What were the core workflows at google you guys were looking to replace ?
China is currently cornering the market on solar panels and batteries and some would say "flooding" the global market to lower costs. If the West doesn't figure out an alternative source for the solar+battery supply chain they could be at the mercy of China in 30 years.
Might as well just shut down and ban all RC hobby shops because RC Airplanes can carry heavier payloads than all of DJI's consumer/prosumer lines -- and are much easier to modify.
They are probably referring to the period where Huawei struggled to even ship a device because of sanctions applied to them that made it impossible to source components.

Once these were overcome they have bounced back and are looking stronger than ever, their revenue has now risen above the pre-sanctions peak.
I think it may be fair to also obligate able-bodied, of-age, individuals to reciprocate/contribute back in some manner as part of the social contract to receive the benefits to the fullest extent (and those opportunities are obligated to be offered). However I don’t know how this would be implemented equitably or without excessive overhead.
Customers should be required to pay out the FULL contract enterprise value under force of law.
> It's disheartening to witness the US embracing protectionism for high-tech

Is it? I suspect China has zero regrets in embracing protectionism for social media. The American drone consumer will get squeezed for a few years, until the US develops decent home-grown suppliers in a strategic industry. Hard to think of a better limited use of protectionism tbh.
they make disposable vapes with display now too

https://vapejuice.com/blogs/vape-juice-news/disposable-vape-...
> Your infrastructure is a model for the world but is configured for rail over self drive.

That is only sensible: self-driving cars, should they ever become a significant part of the transportation fleet, cannot scale any better than ordinary cars do.
The mercantilist impulse will live forever.
Oh no question, bad phrasing on my end, I sort of meant it inverted.

Toonboom is excellent if you're a professional. I'm very much not a professional, I barely know what I'm doing. I think Flash/Animate appealed to someone like me, because I found it easier to draw some goofy thing really quick and animate it.

I feel Toonboom has a much higher learning curve and isn't really for people like me. It's not insurmountably difficult or anything, just that I'm not really the target audience and as such I don't know that it's a good fit for "basic" stuff, if that makes any sense.
I've been looking into this, and I suspect that one actually needs surprisingly little to interoperate safely with Rust.

TL;DR: The lowest common denominator between Rust and any other memory-safe language is a borrow-less affine type.

The key insight is that Rust is actually several different mechanisms stacked on top of each other.

To illustrate, imagine a program in a Rust-like language.

Now, refactor it so you don't have any & references, only &mut. It actually works, if you're willing to refactor a bit: you'll be storing a lot of things in collections and referring to them by index, and cloning even more, but nothing too bad.

Now, go even further and refactor the program to not have any &mut either. This requires some acrobatics: you'll be temporarily removing things from those collections and moving things into and out of functions like in [2], but it's still possible.

You're left with something I refer to as "borrowless affine style" in [1] or "move-only programming" in [0].

I believe that's the bare minimum needed to interoperate with Rust in a memory safe way: unreference-able moveable types.

The big question then becomes: if our language has only these moveable types, and we want to call a Rust function that accepts a reference, what then?

I'd say: make the language move the type in as an argument, take a temporary reference just for Rust, and then move-return the type back to the caller. The rest of our language doesn't need to know about borrowing, it's just a private implementation detail of the FFI.

These weird moveable types are, of course, extremely unergonomic, but they serves as a foundation. A language could use these only for Rust interop, or it could go further: it could add other mechanisms on top such as & (hard), or &mut (easy), or both (like Rust), or a lot of cloning (like [3]), or generational references (like Vale), or some sort of RefCell/Rc blend, or linear types + garbage collection (like Haskell) and so on.

(This is actually the topic of the next post, you can tell I've been thinking about it a lot, lol)

[0] "Move-only programming" in https://verdagon.dev/grimoire/grimoire#the-list

[1] "Borrowless affine style" in https://verdagon.dev/blog/vale-memory-safe-cpp

[2] https://verdagon.dev/blog/linear-types-borrowing

[3] https://web.archive.org/web/20230617045201/https://degaz.io/...
> way for shady Wells Fargo to advertise to, extort fees from, and monetize a captive market

So standard fare for a rewards program? Not sure how this is any different than what chase, amex, or anyone else does to their rewards members - all of them use (and sell) your purchase and balance history for that stuff.
Tim Cook is 'not 100 percent' sure Apple can stop AI hallucinations
It's a short history, considering Obama's mother is white. Or if you're only counting guys, his maternal grandfather is white.
> When creative cloud was very first released, it was excellent value.

Your wording reminds me of this infamous video where Adobe's CEO refuses to answer a question about them overcharging customers in Australia.

https://www.youtube.com/watch?v=mnrMhbWG0Pc
Yep. They fail Lavabit-style, but somewhat worse. They're selling security theater.
For my part, I find that Literate Programming is the aspect of programming which is most appealing to me.

https://www-cs-faculty.stanford.edu/~knuth/lp.html

I've been trying to maintain a list of published programs/books:

https://www.goodreads.com/review/list/21394355-william-adams...
You should look at see what kind of drones are dominating Ukraine's skies. You'd see some water being held. And you probably should have googled this before making this comment.
It may be beneficial to have an additional system power rail. Adding 5V produced by an efficient buck converter would allow for more efficient LDOs on the small boards.
> "The ceramic material used by TDK means that larger-sized batteries would be more fragile, meaning the technical challenge of making batteries for cars or even smartphones will not be surmounted in the foreseeable future, according to the company."
True but some efforts are way beyond what is done in agriculture. They for example have been mutation breeding[0] since it was discovered on much larger scale than public efforts. The mutants check all possible boxes except taste. Grow faster, drinks more, more THC, resistant to heat and diseases, likes light 24/7 even while flowering, all the same size, no branches, few leafs, easier to clone.

[0] - https://en.wikipedia.org/wiki/Mutation_breeding
The definitions of "paycheck-to-paycheck" are different in different surveys.

For example, in the second one you linked the question asked was something like "How difficult would it be for you if your paycheck was delayed by one week?" and they took anybody who said more than "not difficult" as "living paycheck to paycheck". My definition is more strict.
I would prefer that we all try to use this language consistently: https://www.martinfowler.com/articles/mocksArentStubs.html

What you're describing sounds like a fake to me.
The median age in China is higher than in the US.
Windows 11 Recall gets a feature that lets you analyze what is on screen
It's usually 6 transistors, 4 of which form 2 cross-coupled inverters [1].

[1] https://en.wikipedia.org/wiki/Static_random-access_memory#De...
I suspect confusion with the WebAssembly Component Model — whose development is somewhat intertwined with that of WASI's.

It defines a function call ABI between sandboxes.
No object is in shared memory: parameters are passed by value or by handle.
Has its own IDL and ABI that languages' ABIs need to have adaptors to, if they don't conform.
Wow, this really whips the llama's ass
I only pay 32/mo for creative cloud.

Sign up for the free trial, then "cancel" you'll get a screen that says "offers" and you can choose a realistic price plan.

Remember to "cancel" before your year is up or else you'll be automatically charged the full price the following month.
> in the next round of bailouts

Haven't they only had one so far, that they repaid with interest?
Do you think you could elaborate on why the results differ? I'm somewhat unfamiliar with how JavaScript works.
I'm as pessimistic as anyone else about the Great Recession and our government's response to it, the lack of bankers ending up in jail, no big bank break ups and all that.

However, were WF to make a series of bad business decisions and end up in dire straights, can we really confidently say they'll get bailed out yet again? I want to think that a single bank screwing themselves up would face a markedly different response than the global economy melting down.
This doesn't sound particularly analogous to Prohibition. Mobile computers are being banned from schools, not from everywhere. As far as I'm aware, liquor and beer are also banned from schools and presumably always have been, before, during, and after Prohibition.
You knew Paul Hudak, Simon Peyton Jones, Phil Wadler, etc? Were they thinking about the benefits of mathematical formulas over program counters and procedural keywords when designing Haskell?

I was under the impression from the History of Haskell [0] that they were interested in unifying research into lazy evaluation of functional programming languages.

> This makes no sense, and is, in fact, very harmful when writing real-world programs,

Gosh, what am I doing with my life? I must have made up all those programs I wrote on my stream, the ones I use to maintain my website, and all the boring line-of-business code I write at work. /s

In all seriousness, Haskell has its warts, but being impractical isn't one of them. To some purists the committee has been overly pragmatic with the design of the language. As far as functional programming languages go it's pretty hairy. You have "pure" functions in the base libraries that can throw runtime exceptions when given the wrong values for their arguments (ie: the infamous head function). Bottom, a special kind of null value, is a member of every type. There exist functions to escape the type system entirely that are used with some frequency to make things work. The committee has gone back more than once to reshape the type-class hierarchy much to the chagrin of the community of maintainers who had to manually patch old code or risk having it not longer compile on new versions of the base libraries. These are all hairy, pragmatic trade-offs the language and ecosystem designers and maintainers have had to make... because people write software using this language to solve problems they have and they have to maintain these systems.

[0] https://www.microsoft.com/en-us/research/wp-content/uploads/...
Barcode, website, menu, order.

Doesn't even need to be app driven.

Heck, it could even be written in less than 500 lines of perl.
I had an argument with some people over what debiasing means. There is some interesting research on fair clustering that I think points the way. The way fair clustering works is that you take data with both protected and unprotected attributes, and then you orthogonalize the unprotected attributes based on the protected attributes. So for example, if race is protected and income is unprotected, but there is a strong black/white poor/rich pattern, the fair clustering would compute "relatively poor/relatively rich" clusters. Then you sample from a cluster with equal probability. It will not necessarily produce 50/50 black/white, rather it will follow the input trends, so if the input is 80% white and 20% black then the output will roughly follow those probabilities, independent of what cluster you chose (and there are no clusters corresponding to protected attributes).

Obviously clustering is a different problem from inference, but they are all high dimensional vector spaces - it should be easy enough to take a fair clustering algorithm and modify it to generate continuous mappings instead of discrete groups. But if it all works, the LLM should be e.g. race-blind in that asking for a description of a rich man will give skin tones following population statistics but he will always be wearing an expensive suit. The question of what to protect is tricky though, e.g. age is often considered protected but if you ask for an old man with gray hair it would be surprising to get a retired age 30 person. So there is some subjectivity in designing the protected features dataset to show what should be considered similar or same-clusters.

But really the purpose of RLHF is to reduce toxicity. It should be possible to orthogonalize toxicity like everything else, then there would not be a reduction in generated races like the paper observed.
My only complaint with GDPR is when I have to do boring work in the name of GDPR compliance :)

But it's also driven some pretty interesting projects, so I'd probably call it a wash or perhaps a slight positive, even if I were to ignore the major benefits as a consumer
> they had falsified coupon testing/inspection documentation

This is accomplished by specifying a separate testing house that you trust for this, if you don't have your own equipment. Many manufacturers don't have a tensile test specimen puller, Charpy impact test machine, fatigue test machine, mass spectrometer, x-ray machine, ultrasound technician, or metallurgical lab technician on staff to verify all this. But what you don't do is blindly trust documentation supplied by the vendor.

Not to say you verify every little aspect of everything documented- at some point it's not economically viable. But everything I've mentioned above is pretty reasonable to do, especially as reliability in the end application becomes more critical.
By definition these are continuations of the meme. If a meme stops changing and being adapted, it's no longer a meme - it's just an old image or video clip.

There's nothing wrong with having an interest in the "original meme," but there is nothing in the concept that says we should or must. Like the Ship of Theseus, we have to assume eventually every living meme changes so much it becomes difficult to connect it to the Oh-Gee.
Show HN: Built a simple and affordable project management for small agencies
I need your feedback on product and positioning.
Oh, good catch. Thanks for the correction!
Not just a mortgage or car loan. Credit checks[1] are being used by landlords to decide whether or not to allow you to rent. They are being used by employers to decide whether or not to hire you. They are being used by utility companies and insurance companies to decide whether or not to do business with you.

It's slowly getting to the point where a low credit score will bar you from participating in major areas of the economy.

1: https://www.experian.com/blogs/ask-experian/what-is-credit-c...
Sign up link sent per email redirects to localhost
It is bad policy long term, and this policy has been around for a long time. At some point we need to address bad policy.
You can bake security into the platform while still letting power users step over the guard rails. A better analogy than seatbelts would be child locks. Yes, they're great to have. Sure, maybe they should be enabled by default. But you probably wouldn't want to buy a car that had permanent child locks.
> pleasant to look at

That is very subjective. Mass market art loses appeal fast, popular turns common, what is unique steals the spotlight and tastes change.

I can see best quality AI generated custom portraits being as pleasant to look at as selfies.
[dupe]

More discussion on official post: https://news.ycombinator.com/item?id=40704191
You're making multiple conjectures to get to that conclusion, of which the only evidence presented is another company based in a different country than Proton.

It may be true, it may not be, but there needs to be more information or facts before we get to the original comments statement that Proton gives data to expose protestors to protect "the powers that be".