jointheredditarmy

jointheredditarmy t1_je47s6i wrote

Come on, it’s gotta have heuristic word ordering even if the language doesn’t strictly require it. I guess it’s just so unimaginable that every time I said a sentence I’ll say it differently

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jointheredditarmy t1_jcmaumd wrote

So it’s been a while since school but I seem to remember it would not have. Treasuries are always considered risk free for capital calculation purposes. When rates go up 5 points in 9 months it’s anything but risk free. The thinking is that even if you have a duration mismatch, it will converge at some point, since the treasury will get paid back at some point, and that’s true until you have a bank run.

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jointheredditarmy t1_j90ye26 wrote

Dating young is a guy in his 40s serially dating people in their early 20s and breaking up with them in their late 20s as differences in life outcome around things like family and kids becomes apparent.

Leo is straight up a pedophile. I mean that in the least judgmental way possible because he’s clearly found a way to control those urges in a legal way.

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jointheredditarmy t1_j6mbmov wrote

Because in geopolitics everything is on the table. There is a very imaginable scenario where Iran offers concessions to get to a nuclear deal in exchange for tacit support for its brutal crackdown over these protests. These polls let politicians know which way their constituents would prefer that they lean on the issue.

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jointheredditarmy t1_j4dahmi wrote

sorry, i meant "carried" balances. if you ask a credit bureau, "how much is there in outstanding credit card debt" they will report back the total balances from all the metro 2 file they've received from the various issuers. The problem is that the metro 2 reporting structure doesn't consider whether the consumer is making minimum payments or paying off the balances in full, its just "current outstanding balance". Many major banks report on a weekly basis now, so even consumers who fully pay off their cards will show a "balance" on the metro 2 file. Someone who spends and pays off their $50k balance every month and someone who makes a $700 payment on their $50k balance that they've been carrying for 3 years will show the same "current outstanding balance"

Basically, between current and delinquencies there's another "hidden" step, where carried balances as a % of overall balances increases, I don't think there's a good accounting of this potential signal anywhere.

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jointheredditarmy t1_j2amo8z wrote

This is why hereditary rule is so terrible. The Japanese have figured it out to some extent. It’s not unheard of for families without children or with incompetent children to “adopt” adults into the family to carry on the family business. Even that’s only slightly better though, meritocracy bc of capitalism and the nuclear family has probably done more to progress society than most people realize. Yes it’s not perfect, there’s nepotism, there’s greed, but we as humans haven’t figured out an alternative that’s been proven at scale yet.

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jointheredditarmy t1_ivjrlxa wrote

I can tell from your tone that you aren’t seriously suggestion that… but… yeah it’s not a bad idea. If the jury can only choose between a 15 year max sentence or death penalty, you’d have much shorter average prison terms and the ones who really deserved the death penalty will get it

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