noise dept.
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"I'm Dorothy Gale from Kansas"
Aqua Utopia|海の底で記憶を紡ぐ

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hello vonnie

oozey mess
TVSTRANGERTHINGS

izzy's playlists!
Misplaced Lens Cap
NASA
One Nice Bug Per Day

blake kathryn
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Discoholic 🪩
AnasAbdin

❣ Chile in a Photography ❣
$LAYYYTER
taylor price

pixel skylines

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@highpriestmckickass
northernlion was reading out a sweet note his daughter wrote him in kindergarten that said "i know my dad loves me because he's my favorite person and i'm his favorite person" and someone commented "circular reasoning"
and the winner of superwholock is officially??? no one. we all lost. congrats team
Delivered in discreet packaging my ass.
hey whats with that sign
we are kind of in "fetish world where everyone does my fetish" but the fetish is heteromonogamy
I'm always saying this
Possibly the worst thing anyones ever said to me. I need to go reconsider some things
The AI encyclical doesn't yet have a Latin translation, because even though the Latin version is "official", it takes six to twelve months longer to prepare than all the others, an issue exacerbated by the use of terms that don't already have established neolatin translations. Since the timing is important and they don't want to rush the Latinists, they seem to have decided a few years back to move the Latin versions "off the critical path", even though this adds a layer of absurdity to the whole business. Since the encyclicals are still issued simultaneously in like ten other languages, this leaves it uncertain which version should be considered official -- it's likely that it was first written in Italian or perhaps English, then translated, but when the Latin version finally comes out like a year from now, it will retroactively be considered the official copy, and all the others will be considered vernacular translations of it. Which is already a funny story about where pragmatism meets tradition, but in reading about this I found some commentary from someone formerly of the Vatican's Latin office, who mentioned something even better: that one benefit of this process was that the Vatican got to see the public discourse about the document while translating it, which gave them a chance to tailor it to any controversies or confusion that might arise, so that, for instance, if there were competing readings of a passage based on subtle differences between translations, they could pick which one to favour after the fact. This means that this is sort of like Steam Early Access for papal encyclicals.
tumblr users, overall, have low financial literacy. and like, I get it. it’s not shocking that a majority user base of chronically broke-adjacent people are intimidated by and/or think it’s useless to learn about financial systems. I’m not surprised by this. but I do think it’s really really important to have an understanding of business and financial concepts, even when it’s dense and scary, because it’s fundamental to how the modern world works. this post is inspired by the notes on this post about the idea of bankification and is for an american audience.
when you deposit a paycheck in a traditional bank account, you go online and see the number in your balance. to you, it looks like there is a single account that quarantines your money away from everybody else’s. you may think that when you deposit money in the bank, the bank is just holding that money for you, but actually, by depositing money is a bank, you are lending the bank company your money.
a bank company’s core function is to make money by bundling together the deposits that many customers have lent it, and investing that money in the stock market. the bank’s investments earn interest, which is the bank’s profit. if you have a savings account, you’re essentially telling the bank “hey, I plan to have this money sitting here for a while without drawing on it.” a savings account is a more stable investment base than a checking account for the bank, which is why the company incentivizes you to have one. when you earn interest on a savings account, that is the bank giving you a tiny kickback of the money they are making through investing your (and others’ blended) deposits.
the traditional banking system is insured by the federal deposit insurance corporation (FDIC), which is a government agency. if you took all your money out of the bank and hid it under your mattress, if somebody broke into your house and stole it, you will lose all your money. but the government insures money in traditional banks, usually up to $250,000 per consumer account. this means that even if the bank company’s investments all fail and the bank company loses all your cash, the government will bail the bank out, and you will not lose your money.
by putting your money in a traditional bank, you ensure your money is protected, you get a small kickback of interest, and you get access to the convenience of the bank’s online platform to track your finances. you also get a debit card to easily make purchases by drawing directly from your accounts. for the bank company, they get billions of dollars of interest-free loans, in the form of their customer’s deposits, to invest in the stock market. at its core, ignoring fees and credit cards and mortgages, this is how the banking system works.
bankification is the idea that non-banking companies are trying to operate like banks. this includes tech companies like Apple offering credit cards, but an aspect of bankification that is less understood is companies incentivizing consumers to give them interest-free loans. while banks are regulated by the government in exactly when and how they can operate within this business model, other companies trying to profit through this model are not always beholden to these regulations because their activities are not technically considered banking. let’s look at an example: loyalty programs.
in 2025, starbucks has an estimated $2 billion in deferred revenue from their loyalty program. deferred revenue is like a gift card; the company receives money because the customer paid up-front for the gift card, but the company is beholden to discount a future purchase by the pre-paid amount. there are multiple advantages to receiving deferred revenue for a company.
when a customer loads money onto their starbucks loyalty account, they are essentially buying a digital gift card. remember how banks encourage consumers to put money into savings accounts because it is a long-term holding account, which makes it a more stable investment base? once you buy a gift card, you cannot convert it back into cash. the money cannot leave the company, making a very stable investment base. starbucks offers a lot of benefits and discounts for customers who load money onto their loyalty accounts because starbucks recognizes the value of a captive investment base of interest-free loans. when many customers prepay through the loyalty program, starbucks is using that pooled money the same way a bank does: investing it to make even more money.
as a side note, two other major advantages of this gift card model for companies is inflation and breakage. money loses value over time through inflation. when you buy a gift card, you pay the money upfront, and the company can invest that money sooner at its higher value. breakage is the idea that if a gift card is bought but never redeemed, then the company essentially got money for nothing.
now, does this bankification through loyalty programs directly hurt consumers? well, not really. consumers who participate in these sorts of loyalty programs get benefits like discounts. the problem is indirect harms: that this money is uninsured for the consumer, and the deferred revenue investment base is less regulated than traditional banks.
if starbucks’ investments failed and the company died, any money those customers had paid into the loyalty program but had not yet used on purchases would disappear. the money is not insured, so the customer wouldn’t get it back. the same is true for keeping your money in any non-FDIC insured company, including companies like PayPal and Cashapp*. (*some services from those platforms, usually the credit cards, are insured because they have a backing partner bank. but a sitting balance in a free account is usually not FDIC-insured. don’t leave your money sitting in these accounts.)
because companies investing their deferred revenue is regulated and taxed differently than traditional banks’ investments, not only if there less protection for the consumer, but there is less protection for the wider economy. If a bankified company with significant investments into other bankified company fails, this can cause a shockwave effect similar to the 2008-9 financial crisis wherein all the interconnected bankified companies are destabilized. banks are heavily regulated to avoid that happening again, but bankified companies are not beholden to that legislation.
just cause it’s worth a mention, the predatory opposite-twin of the loyalty-program type bankification is buy-now pay-later bankification. buy now pay later is a more approachable way of saying financing. a mortgage is a type of financing; the bank pays for your house up-front, and you need to repay them over a period of years with interest and potential fees. again, traditional banks are heavily regulated in what they can do with financing. bankified companies offer financing on their purchases because they aren’t beholden to the same strict regulation, and they can set the time period, fees, and interest on their financing to whatever they want. bankified financing is often much more directly predatory to the consumer.
Watching the Crypto folks speed-run a recapitulation of the necessity of banking legislation has been fascinating.
oh dear god
I am speed running the stages of grief. Come explore this with me.
I WONDER WHY HEALTHCARE DATA IS SO LIMITED. HEY HAS ANYONE EVER THOUGHT ABOUT WHY WE DON'T HAVE COMPLETELY OPEN PLATFORMS FOR HEALTH DATA. AND WHY IT'S A BAD IDEA TO HAVE WRITE PRIVILEGES VIA SOME WEB INTERFACE TO MEDICAL RECORDS. HAS ANYONE EVER WONDERED.
okay well let's look at the github. at least an mcp server is just like a stupider API. right.
STARTING OFF. BAD.
This is. a PHI nightmare.
do you think these tech guys ever think. "i wonder why nobody has done this."
Well if they had to pick an AI at least they're not using one of the sketchy ones right. thank goodn
oh
You know, I'm glad Epic put so much time into making mychart extremely secure, even with all the health systems who configure them like a drunk monkey. it would be a shame if
hmm hey what do we think 'read local passwords' does
feed healthcare data to openclaw openclaw safe for 2FA codes and passwords in plaintext nothing bad will happen to your passwords and 2FA ccodes if you feed them to openclaww
ooohghhg my fucking ggogod
FROM DISCORD??? FROM MM DISCORD? YOU WANT TO FEED YOUR OWN PERSONAL HONEST TO FUCK PHI INTO, POTENTIALLY, DISCORD??
What many users may not know about MyChart providedby EpicSystems is that MyChart providedby EpicSystems is actually kind of like a local instance that your healthcare org runs, not a "Sign in once and see everything" type of deal (unless you have Care Everywhere, and then it maybe can be. But it Depends.)
Why is that you might ask. Well you see. There are many Rules and Laws and Regulations about the use and exchange of personal healthcare data.
Which is why of course this guy, seeing a well-thought-out and tested technical position, decided "what if i get all of them at once and also the 2FA codes and stored them ALL in the same place with no encryption whatsoever"
MRN??????????? YOUR PERSONAL HIGHLY PROTECTED BASICALLY ILLEGAL TO SHARE MEDICAL RECORDS NUMBER?
????????????????????????
This is genuinely the most terrifying import i have ever seen
I LIED; WHAT
GIVE OPENCLAW ACCESS TO YOUR ENTIRE FUCKING EMAIL AND MEDICAL RECORDS NOTHING BAD WILL HAPPEN IF YOU FEED YOUR ENTIRE BROWSER CACHE NAD PASSWORD KEY STORE INTO OPE NCLAW
okay. i'm done. i can't. i cannot continue to look at this. this is out of this world.
how do we think this project ends
sued
straight to jail
openclaw sending messages to your forme college professors with random diagnoses
hipaa police
a "friend" is a sort of beautiful animal who will sometimes bring you free baked goods and say very funny things in your home, if you're lucky
one of the funniest conversations I ever had with my ex was when they were still getting used to Celsius and asked me "what's 20 degrees?" and instead of converting it, I said "it's the highest your dad will ever let you set the thermostat and when you say you're cold he tells you to put on another sweater, we're not made of money" and they went "oh, 68"
the fact that this reference was that fucking precise was something they went on to tell people about for years.
The Monument to the laboratory mouse is a sculpture that commemorates the sacrifice of the mice in genetic research used to understand biological and physiological mechanisms for developing new drugs and curing of diseases.
Coyotes trying their damndest to get domesticated
ok sorry to double reblog BUT I just looked him up and he does these fantastic videos where he breaks down HOW he actually mimics the other artists’ styles. Like for ed Sheeran, he explains how he brings his voice forward in the mouth, while Adam Levine sings in the back of the mouth, stuff like that. It’s SO COOL, I don’t think I’ve ever seen anyone actually break down how to do this sort of thing, as a skill, instead of just treating it like a neat trick they just happen to be good at. https://www.tiktok.com/@justinjmooremusic
Check him out he’s so cool
important that you never forgive ice agents, ever. even years after all this is over (and I do believe we will make it out on the other side, alive and for the better,) they live in shame and disgrace forever. no excuses, no forgiveness. they ruined their own lives when they decided that human freedom and liberty was an acceptable sacrifice for a paycheck
(robado de twitter)