Ahhhhhhh…

With nearly 900 BILLION dollars of CRE Mortgages coming due in 2024 alone a 5 % default rate has the banks taking losses of 45 Billion. By contrast at the height of the 2008 crisis the rate hit nearly 9%, which would put 2024 losses at over 80 Billion dollars. Then it happens all over again in 2025 when another 20% or so of CRE Mortgages come due!

How do I, a mentally-handicapped retail investor, short the ever-loving shit out of the CRE market? Can plebians like me even purchase credit default swaps?

which is now loosing losing value

to everyone’s detriment. Just because some guy’s asset is loosing losing value

Bruh, I do 30 burpees for every failed unit test. I may be a dogshit coder, but I’m jacked af.

Cool beans, dude.

You don’t need the “literally”.

And, while I’m at it, others may be revisionists, you lack nuance.

At a surface level, you’re correct the Android re-design in 2008 was primarily because of the arrival of the iPhone in '07. The reason for the re-design was the inclusion of a touch-screen in Apple’s hardware spec. Apple was not the first company to introduce mobile computing handsets with touch screens; that honor goes to IBM.

Android was founded in 2003, and was looking to come into the digital camera market initially, before their acquisition by Google. Then they were looking to compete against Blackberry and Windows phones. UI design experiences have been playing off each other since the beginning.

Apple doesn’t solely define the market, and people who work for them wouldn’t assert that. They define their niche, which is the smarter business proposition.

The iPhone still defines the market.

Nah. It’s part of it. A big part. But the audience here is probably not really Apple’s iPhone audience.

Make Do yourself a favor

I really don’t think he deserves a free pass just because Reddit wasn’t enshittifying while he was around, as it was in a growth phase.

You’re critique of his moral rectitude is wrong.

Seriously, though:

What part(s) of speech should be limited beyond the laws (in the United States) we already have that limit it various ways?

“Society” is owed zero loyalty if the social contract of the governed is habitually broken.

This is bullshit. Your imagination is perpetuating the myth of the vast majority of people caring about an individual’s dietary preferences. I have never once been accosted by or have accosted vegans on their dietary preference. Maybe, perhaps, in a sarcastic jest.

The dietary preference wars are just like the gender and the other culture wars: psy-op proxies for the only war that’s ever mattered - the class war.

I position my car in such a way so that someone can parallel park in the space behind me given that there’s enough room for myself and the person in front of me to pull out safely.

“Not even a Hot Pocket?”

To an extent.

My professional ANN experience is with computer vision and object detection. A bit with image and sound GANs too.

LLMs that I’ve spent time training and experimenting with (and I argue GANs as a class of ANNs, in general) tend to “hallucinate” or “dream harder” after several tens of queries within the same instance.

But one can improve output “fidelity” based on constraint parameters on the user and inference self-check algorithms.

Addendum:

• ANN = artificial neural network (a class of algorithms in machine learning whose architecture resembles a mesh of intercommunicative neuron cells in nervous tissue)
• GAN = generative adversarial network (a categorical subset of ANNs
• LLM = large language model (a categorical subset of GANs)

The data on a site like that is ridiculously valuable. Sooner or later someone may decide to give a marketing company contracted by a big pharma company just one little peak at some data.

In the Untitled States, that data is protected via several statutes, HIPAA being the most widely known and robust governance over such information.

And more to come depending on the success of the first, if I recall correctly.

This is the way.

I would’ve thought that number would be higher. Surprised at only 15%!

The US is clearly declining. However, we’re talking about the Russian Federation.

Do you have any sources for this information?