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sj_zero | @sj_zero@social.fbxl.net

Author of The Graysonian Ethic (Available on Amazon, pick up a dead tree copy today)

Admin of the FBXL Network including FBXL Search, FBXL Video, FBXL Social, FBXL Lotide, FBXL Translate, and FBXL Maps.

Advocate for freedom and tolerance even if you say things I do not like

Adversary of Fediblock

Accept that I'll probably say something you don't like and I'll give you the same benefit, and maybe we can find some truth about the world.

Ah... Is the Alliteration clever or stupid? Don't answer that, I sort of know the answer already...

Born too late to use the term WAP, born too late to use the term WAP, born just in time to use the term WAP.

>so I can get the latest nmap to scan the nodes in the building to find soft targets

Win 9x was fast (especially around 95osr2 before 98 got active desktop), but it was shite.

I have some thin clients I've put 9x on in the past decade, and I forgot how you might install it then it'll be totally unstable until you reinstall it again the exact same way but magically it's totally ok because of solar flares reflecting off of Jupiter.

I ran 95 on a 386sx, and it wasn't perfect but it was basically fine. You wanted to keep it clean.

Apple has a bad habit of producing something that is absolutely world-changing, something that completely changes the game, and then doing absolutely nothing with it for decades. I had an iPod touch back around the time that iPhones were still the new hotness, and it was absolutely incredible. The problem is that it is now 18 years later and you're basically looking at the exact same device. My first Android device came later, it was on cupcake I believe, and over the next 5 years Android was constantly making massive strides forwards.

Same with the OS X -- it was the most revolutionary thing the world had ever seen when it first came out, but that was a long time ago now.

Some Democrats are calling for an investigation into whether Colbert and Kimmel getting canceled is a result of political influence over their political opinions.

Let's assume arguando that they are 100% completely correct. Let's assume that some people got very upset with Colbert for his political opinions and as a result his show got shut down.

And? What exactly is the problem? The last 11 years show us that Colbert's side of the aisle has absolutely no problem with that. It's been their modus operandi for over a decade.

Realistically, even if it was 100% purely political, there is already precedent for that. The United States federal government was able to log directly into Twitter to delete posts that it didn't like. At that point, you're done. Political censorship is back on the menu, and they're the ones who wrote it on there, by the opposition explicitly said "be careful, what if the shoe was on the other foot?" -- and now it is.

I don't even necessarily like it. I think it's bad. But on the other hand, if they didn't like it then they wouldn't have used it. The same as I don't particularly like the idea of going after our political enemies using the legal system, but that's going to happen because our political enemies decided that they had to take up the one ring for themselves. Once Pandora's box is opened shutting it doesn't do anything because of the contents have already escaped.

Robspierre always ends up under the blade of his own guillotine.

Globe and mail is pozzed af, so it's not a medical order but an ideological one.

Back then there was a parent at home who would be happy to watch their child for 8-14 days.

The nietzschiean military school of marriage. "That marriage which does not kill me makes me stronger...somehow."

Meanwhile, NYC still goes after Louis Rossman for a business he no longer runs, in a state he no longer lives in.

Something just occurred to me: When they take photos of the outer planets such as jupiter, saturn, or neptune (or pluto, fight me) one major problem is that there isn't actually much light. The sun at that distance is effectively a particularly bright star, not the powerful source of light we're used to here on Earth. We're talking single digit percentages of the amount of light we get here, and by neptune or pluto we're talking fractions of a percent.

Acid rain was our best defense against global warming the whole time! Curses!!!

gay

Rage on behalf of the machine seems to be more mad that the machine isn't more dehumanizing and evil yet.

It actually isn't a chicken or egg question, legally. The problem is that the code developed by the AI itself isn't copyrightable. Things produced by AI have been confirmed as not copyrightable (at least in the US), and that's held up in court so far.

https://media.cadc.uscourts.gov/opinions/docs/2025/03/23-5233.pdf

The fact that AI code is not copyrightable under current rules is super important. You can sit there and smugly attack a project for taking a hard line on this, but if coders using llms end up making open source projects uncopyrightable, then they end up effectively eliminating the enforceability of the open source license.

It isn't about whether AI is a useful tool or not. It is about whether a single bad actor can effectively steal a project from its original authors. The same concern potentially applies commercial works created using AI as well. In that sense, a lot of people are playing dice with the devil.

50-60% of all Canadian mortgages are set to reset between this year and next.

Most of these mortgages are fixed rate (75%), and most fixed rate mortgages in Canada are 5 year mortgages, meaning that most of them will reset from as little as less than 1-2% to about 5.5%.

The peak average house price in Canada was about $820k around late 2020 to 2022.

The median household income in Canada is about 70k. The top marginal tax rate in most of Canada is nearly 50% between federal and provincial taxes, so people earning 70k will not actually earn anywhere near 70k. Most people don't pay 50% on their last dollar, but taxes in Canada are still significant at that income level.

In past crises, the federal government allowed people to amortize their home over 35 or 40 years, but in a rising rate environment (or in this case a risen rate environment) interest costs, not principal costs, dominate the monthly payment.

This implies a much higher risk moving forward for most mortgages. This has a couple impacts. First, some people won't be able to renew at the new rate, so they will be forced to sell their homes under "power of sale" from the bank, which will cause supply to rise and prices to fall. Second, higher risk means mortgage rates are likely to rise, since the banks need to price in an increased likelihood that the borrower will default.

Non bank lenders (the so-called shadow banking system) face increased risks because they tend to get non-prime borrowers, and so will get more defaults. Some industry watchers allege this is already happening.

Housing makes up more of the Canadian economy than manufacturing at this point and has been a rising amount for 15 years. Much of the remainder is directly reliant on housing sector such as banking.

Many mortgages are insured so the banks won't directly pay the cost of the risks they took. The main insurer is CMHC, which is backstopped by the federal government. there are trillions of dollars of mortgages in Canada. There could be a period of higher taxes or increased borrowing by the federal government if a significant number of defaults occur.

One thing that a lot of analysts end up doing is they focus on the housing industry as if it is buying a gallon of housing. They seem to ignore the processes required to actually get housing into the hands of an individual or an investor. if mortgage payments are approaching 3 to 4,000 per month, then this idea that you can just import more people because absurd because people don't migrate to Canada because they're already super rich, so they aren't going to likely have $4,000 per month to pay, especially if most of that $4,000 per month is just going to interest. There are the stories of entire families who live in one million dollar house, but I suspect that if house prices are dropping and the amount of mortgage payments that are going towards principles are also dropping, that route will become considerably less attractive.

Another issue is the effect of all this on the greater economy. If you could get a place to live for $100 a month, then normal people could easily work a minimum wage job and support having a place to live. If, by contrast, you need three to $4,000 per month for a mortgage or rent, then you need to be demanding significantly more from your employers.

It is an established fact that Canada has been in a productivity depression for several years now, with per capita productivity flatlining and the only reason Canadian GDP is growing is because of overwhelming immigration. In this situation, individuals can't realistically ask for more money, because they aren't producing more stuff.

All of this put together seems to imply that there's going to be a very painful period for Canadians and for Canada as a whole. Some reports are suggesting that immigration is already net negative because people come to Canada expecting to get rich, and they discover that they can't even afford basic necessities. With shelter going up precipitously this year and the next, the as well as knock-on effects from everything that we discussed, it seems very likely that the productivity depression will become an actual depression as mobile individuals such as recent immigrants choose to go somewhere with better opportunities, leaving the country with unacceptably high housing costs that tend to be sticky, a flatlined per capita productivity, and a shrinking population

Every. One.

He got bitched out on Twitter for waiting to take the elevator.

The problem *isn't* her body. It's her mind. Bro was 100% vindicated.

My generation, the Millennials, are already pozzed af.

We had a generational chance to prove we aren't, and we failed cataclysmically.

I still think they should reduce delivery to one day a week. Most people would be just fine with that for standard mail.

Any American girl who moves to the UK has to learn proper English.

Repeat after me: li'il bo'ol'o'wa'ah

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