gruez

10 ms·

181.
by gruez 1mo ago
>I'll assume that this is legitimate ignorance and not a bad faith attempt to muddy conversation, and I'll direct you to a few resources where you can read several years of extensive investigative reporting on the myriad ways t
182.
by gruez 1mo ago
>Whenever you have such a classification, you are always going to have a gray area in between, firms where a judgement has to be made on which set of rules to apply. Which is fine. It's okay to argue to have debates over whether we
183.
by gruez 1mo ago
>You're just asserting common convention among some implicitly selected audience that you consider "most" people, rather than justifying why that is the most reasonable practice. The purpose of language is communication, s
184.
by gruez 1mo ago
>Yes, all of this only works if the payer is large relative to other payers. There was a period of history where this was a caveat, now it's just an observation about history. Now, there is 1 or 2 mega-players in each region. They&#
185.
by gruez 1mo ago
Should gas stations exclude the cost of the gas they're selling as revenue? There's probably a better argument to be made that they should be included than insurance companies be excluded. Unlike insurance companies, where the cos
186.
by gruez 1mo ago
All of this might be relevant in a conversation between accountants or investment analysts, but it's pretty obvious the "study" chose this particular methodology to get a number that makes insurance companies look as bad as p
187.
by gruez 1mo ago
> It explicitly says that United is using standard accounting practices and proposes the “pass through” mechanism as a “better” metric. >Based on the source I, personally, don’t find it to be a credible argument Agreed. This just has
188.
by gruez 1mo ago
>United Health Insurance has a profit cap, it’s a % of revenue. Sunshine Hospital has no cap. So Sunshine Hospital charged United Health Insurance X$ and that profit rolls up to United Health Group. That doesn't really work as a str
189.
by gruez 1mo ago
>1. they still have revenue though. it might not enough to cover all the r&d but it is surely enough to cover the hardware cost. >2. people tend to ignore this, but the salary budget of a US frontier lab and chinese frontier lab i
190.
by gruez 1mo ago
>They are owned by the state They are by all accounts, not. Z.ai for instance is a public company according to wikipedia. Moonshot AI is private but all their investors are private companies. Alibaba, as we all know, is a massive publicl
191.
by gruez 1mo ago
Shoveling 70% less money into a money pit is still shoveling money into a money pit. Not to mention that at least openai/anthropic has better prospects of making back the money because their models are proprietary, and won't be ca
192.
by gruez 1mo ago
You could ask the same about how z.ai, moonshot ai, minimax, and alibaba are going to continue training and releasing models for free.
193.
by gruez 1mo ago
>Opus 4.6 Max self-hosted at 30 tok/s on a 5k Macbook in Aug 2026. The LLM timelines are crazy. How much memory does this translate to and what quantization (if any) were applied?
194.
by gruez 1mo ago
A few months ago you needed to log in to view any replies, which was critical for some threads.
195.
by gruez 1mo ago
There were similar fears about the webtrust CA system, but AFAIK there's no known incidents where a government strongarmed a CA into misissuing a MITM certificate, and then it was used in MITM attacks. The closest is some misissued cer
196.
by gruez 1mo ago
>To be clear though, the higher FICO scores get hosed the most, see the graph earlier on. Your quotes are conditional on FICO so they don't take that into account. Are you talking about "Consumption by income decile" graph
197.
by gruez 1mo ago
>Money market/treasuries (even ETF like SGOV) gets pretty close to 5% when typical savings rate is a bit under ??? 30 Day SEC Yield as of Aug 24, 2026: 3.61% 12m Trailing Yield as of Aug 24, 2026: 3.74% https://www.ishare
198.
by gruez 1mo ago
The most defensible framing that I came across (maybe from patio11?) in favor of credit card rewards is that they're a "bulk discount" on interchange fees. People who spend more on their cards also pay more fees (passed throu
199.
by gruez 1mo ago
>Is all this worth $9.2B across the economy? Maybe not, but again, certainly worth more than 0. Nobody's arguing that credit card companies are proving zero value, only that they're charging more than what can be "justifie
200.
by gruez 1mo ago
>in particular the highest income consumers get the worst returns on their interchange payments That's not what the article says: >High-income consumers with high FICO scores benefit the most from reward credit cards compared to
201.
by gruez 1mo ago
>they pick the rates. So they can set those rates to generate exactly the same profit for them as with fees. No, the rate is set by the card network, eg https://usa.visa.com/support/consumer/travel-support/
202.
by gruez 2mo ago
>Pardon my skepticism that amazon is facing the same shortage that billy trying to build his first pc is facing… They're not asking for your pity. They're just stating the market conditions that led them to raise prices.
203.
by gruez 2mo ago
>But in most OSes the right part is randomly generated and changes on some cadence (e.g. daily). >So in many cases, the ability for a server to individually fingerprint your device solely based on the IP address is roughly equivalent
204.
by gruez 2mo ago
https://news.ycombinator.com/item?id=48559935 If you dig more you could find the bug, but AFAIK it was that if you sent a large attachment, the bounce email would contain your real address.
205.
by gruez 2mo ago
Even in the infamous Aaron Swartz case he was offered 6 months in prison as a plea bargain. Even ignoring the difference in crime (torrenting vs CFAA), no one was going to "lose most of your life".
206.
by gruez 2mo ago
You mean how anthropic lost a court case and now they're being made to pay?
207.
by gruez 2mo ago
>Anthropic paying $1.5 billion in fines for downloading Anna's Archive established a moat. They want it to be illegal to pirate books: they can afford the penalties and continue doing it. This seems like a "heads I win, tails y
208.
by gruez 2mo ago
Works fine for me. Maybe you're geoblocked? edit: screengrab that shows the color difference: https://wormhole.app/a7Alp9#AQrGDBYIigvXaN7Wx1uJJA
209.
by gruez 2mo ago
It's non-trivial to determine "what is needed to display the content". The closest you have is something like "print/save to pdf", which is too lossy for some (eg. you lose animations and comments), and isn&#x2
210.
by gruez 2mo ago
>Person wielding AI, as with any other tools, is responsible for all of its actions. Otherwise, it’s just a psyop for more AI regulation, ban open source, etc… Just my 2 cents. But some tools (guns) are regulated.

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