Doctors don’t know what you put in your but if you also shove an apple up there beforehand.

Yes, that is what I was thinking too.

Broader historically looking more “socialist” politicians were targeted when they started taking against police or megacorps. And this one is both.

Genuinely asking (I don’t know that much about USAC politics etc) - how much is his life at risk?

He owns a factory, I’m sure the batch isn’t ruined if there isn’t an inspector to witness that.

“Oy, Willy Wanka’, you can’t do that, we are shutting you down!”

“But you haven’t even seen just how undocumented my sexy workers are. Like, scientists haven’t documented them yet, not even a name assigned to the species. Would you like to take one home & we forget about all these technicalities?”

“Are these people with dwarfism you painted & labeled a different species so you don’t have to pay them???”

“No, I’m a factory owner, such allegations would be out of character for such an entrepreneur!”

Edit: didn’t know, but they are just purple humans … paid in beans … cocoa beans, not lemmy beans (which as we know, do actually irl come from slave labour).

They are small humans who were preyed upon by the various predators that reside in their homeland before Wonka invited them to work at his factory. They are paid in their favorite food, cocoa beans, which were extremely rare on their island. The Oompa-Loompas are mischievous, loving to play practical jokes and singing songs which, according to Wonka, they are very good at improvising.

primary reason for the war

The non-nukes & the trivial deep penetration damage?

I’m not sure that’s what Israel meant as the primary reason when they claimed it was the primary reason (since they had all the proof possible to the contrary). It silly to try to solve a bs claim & expect the side that brought forward that bs claim to suddenly be satisfied by the resolution of bs they manufactured. Nothing had changed.

Sarah Michelle Gellar’s Goal Is to “Bring Back Everyone Who Has Died”

Michelle Trachtenberg

Sure hope Michelle over-succeeds.

:‘’(

Sorry, that wasn’t clear, the system is really alien to me.

But there are numerous reports from USA that paying of a loan early can hurt your credit score.
Which is def bad & counterintuitive.

The whole system is at best like a loyally card.

You guys have hobbies?

Idk, a mid tier graphics card?
3 months of food?
2 months of marina?
A nice short trip/vacation (a couple of days, maybe a week)?
Rear tires coz I like them fast?
A lot of planters and automatic watering systems?
A notable addition to my home lab?

I should get a life.

Ngl & sorry but that sounds indoctrinated af.

7~10 years on a car is predatory & shouldn’t even be allowed. You overpaid half the car.

Difference between high & low(er) interest rates is access to credit & purchasing power. It determines what/where or even if you can buy a house. There are even USA pop culture reference to not having a good enough score so they don’t get a loan.

And y’all interest rates are still high, regardless of the score.

Forced use credit cards takes away money from the stores & you get almost nothing in return (you should get money back, not some weird promise on loan rates that saves you money only bcs of ridiculous rates & long borrowing).
And repaying credit card (interest or not) has 0 relation to repaying a 10+ year mortgage. It’s just bs to get the banks (and Visa/MC) obscene amounts of free revenue/profit & they don’t have to do anything in return. Just think of how much money have “you” given the bank if 3% of all your purchases went to them. It’s not that you directly lost that (tho through general inflation & stores overcharging you to cover what goes to the bank you have), but didn’t get anything for selling/promoting their product either.

Different counties over the world use different systems, but most don’t allow centralised private databases (tho some big ones still use it) that lenders can just access personal data on citizens (and all of them have problems).
Some countries have defaults or unpaid taxes accessible to lenders (via gov agencies/portals, not private firms).

Tho the best systems are just every lender for themselves & on data you provide them - statistics show how rare defaults are & how they don’t really affect any lenders (except in a macroeconomic crisis, where eg the underlying real estate losses value).

And statistics also show that the prob of default are basically just related to wages (how much money is left to the borrower each month overall) & collateral.
That’s is what central banks put restrictions on to govern monetary policy (besides overnight rates & gov debt ofc) & banking sector stability.

And in terms of eg mortgages - credit score is useless, you have real estate value that more than covers the lean & just about any borrower would have a lot more problems & to lose in event of default so they already try to avoid it as much as they can.

Credit scores don’t lower bank insolvency rates, at most they help with the profit, but most importantly they arent really relevant to a lenders core business success.

Also if you repay your loan early is somehow bad for your credit score.

If you change your bank to go to a cheaper one alters your score (creating sticky monopolies).

makes prefect sense

To scam citizens out of yields while minimising the chance of nonperforming loans?

The rest of the world puts citizens first.
The banks are the professionals with all the data & capital. They get to multiplicate money (give loans without backing) and get to charge relatively big interests on those loans (interes rates (spreads over risk-free) tnot indicative of/to cover the expenses of defaults, which are very rare overall, or their own operating costs).

The money multiplication thing comes from the state (central bank), and it exists to allow people to live & to perpetually stimulate the economy (eg getting a house earlier than saving up the lump sum to buy it whole). The banks job is to balance things out & offer competitive loans in terms of profits vs probability of defaults. Without that it’s just free money for the banks. Like insurance business only selling policies to people/entities that won’t ever need them.

Isn’t that what credit score already is?

Just expand that, maybe with generative AI since the accuracy doesn’t matter.

/s