Sen. Graham (R. of S. Carolina): We are here holding this hearing to hear evidence of transsexuals taking over America. Our witness is Dr. Hoo Me of NiH.

Sen. Blackburn (R. of Tenn.): Okay, Dr. Hoo, what can you tell us about the homosexuals taking over America?

Dr.. Hoo: Uh. . . .I thought we were discussing transsexuals.

Sen. Blackburn: Aren’t all these sexuals the same?

Dr.. Hoo: No, not really. When one’s preferred gender does not match their biological “equipment”, we call them transsexuals.

Sen. Blackburn: Can’t they just look in their pants and figure it out?

Dr. Hoo (with a wry smile): Your brains are in your pants?

Sen. Blackburn: What?

Sen. Cruz (R. of Texas): I thought WE wanted to look in their pants?

Sen. Rick Scott (R. of Florida): I think we should get to look in their pants.

Sen. Josh Hawley (R. of Missouri): What is Sen. Blackburn trying to hide? We should check her pants.

Sen. Graham: Stop it, Stop it, STOP IT!! No one is looking in anyone’s pants.

Sen. Blackburn (very annoyed): Keep your eyes out of my pants, Sen. Hawley. Please answer the question Dr. Hoo.

Dr. Hoo (resuming his professional demeanor): I guess at a certain level of generality, all sexuals are the same. Take you for instance, I take it you are heterosexual, yes?

Sen. Blackburn: HOW DARE YOU? Accusing ME of being a heterosexual !!!

Dr. Hoo (even more professionally): It simply means you are attracted to what you consider an opposite sex.

Sen. Blackburn: I’ll have you know I am happily married and have never been attracted to someone of an “opposite” sex!!.

Sen. Cornyn (R. of Texas): Damn. . . .I have been sitting next to her for years in this committee and had no idea. Dr. Hoo, can it rub off?

Dr. Hoo (realizing with whom he is dealing): Oh fer sure, fer sure!! You are probably a heterosexual now that you have spent so much time near Sen. Blackburn.

Sen. Cruz: Can it happen in other instances?

Dr. Hoo (smirking): Well, there is one other I know of, but it would be better if you didn’t know.

Sen. Cruz: I demand you tell us!!

Dr. Hoo: Well, if you insist. If you ever go to a men’s room and use a urinal with men at the urinals on either side of you, that can turn you into a transsexual.

Sen. Graham: Uh-oh. . . .I stood between Sen. Cruz and Sen. Cornyn at the urinals this morning. . . .Doctor., do you think I have it?

Dr. Hoo (smiling viciously) : It is a distinct possibility.

Sen. Graham (now turning a delicate shade of green): Dr. Hoo, is there a cure?

Dr. Hoo (chuckling, but in a good-natured manner): There is only one cure. Stand in a barrel of eel eyes during a full moon at midnight. Sure fire way to cure you.

Sen. Blackburn (now achieving the Red Phase of Ticked Off): Sen. Cornyn, I did NOT make you a heterosexual. We are getting off topic. Dr. Hoo, does a woman have to worry about turning into, what did you call’em, a transsexual?

Dr. Hoo (now with big radiant smile): I’m glad you asked me that. There is one way I know of. Have you ever had sex with a man?

Sen. Blackburn: I’m married with children!

Dr. Hoo: Yes, but have you ever had sex with a man?

Sen. Blackburn: How else would I get them?

Dr. Hoo (Smiling with a more radiant smile is impossible, so he merely went with an ironic chuckle): In Vitro Fertilization. However, there is an effect of sexual intercourse with a male of which you are probably not aware. . . .it can make a certain organ between your legs grow. . . .unseemingly large.

Sen. Cruz: You know, you do walk funny, Sen. Blackburn.

Sen. Blackburn (now screeching): I do not!! My “organs” are normal!!

Sen. Cruz: That’s what you would say if you were lying.

Whereupon Sen. Blackburn, in the Incandescent Red Phase of being pissed off, hopped on the committee table, ripped off her skirt and panties and wowed the entire committee.

Sen. Cornyn: I don’t want to be pushy, but can you take off your top too? They might be fake.

Sen. Blackburn (ripping off her blouse and bra and crying miserably): THEY ARE NOT FAKE!!

Sen. Rick Scott: Now we are getting somewhere, turn around for Daddy!!!

Sen. Blackburn runs sobbing from the room. . . .unfortunately without her clothes, thus scaring the hell out of an Evangelical Preacher and his teenage male Bible study group touring the Capitol.

Evangelical Preacher : And that boys, is a transsexual. . . .Jimmy, put your camera down.

Sen. Blackburn screaming hysterically: I AM NOT A TRANSSEXUAL!!!

Not quite yet, however he has a new head for NASA in mind that will make commercialization of space a priority. So you can forget any science based missions, satellites, Earth analyses (unless it is supported by a company or will benefit a group of companies, but only if they have paid el Bunko for the privilege), etc.

His new slogan - America: el Bunko's New Bunko Bazaar, the Souk where Anything can be be bought and sold, including your soul, your grandmother, her health care, etc., and where Beelzebub has his own booth (just ask for Mr. Clean).

As a person with an 800+ credit score, I can confirm that I can get credit anywhere I apply for it, at the best rates available, even though I pay off my credit card bills in full every month, and have no other debt.

Coming from a guy called Tony Isaac? Yep, username checks out.

(But yeah, I have much the same experience, though I do have a mortgage also)

Although that sloth is positively satanic.

Yeah, this post has a real "Old Man Shouts at Clouds"-vibe. I agree with the ethical concerns, but trying to convince people that adequately good content is not adequately good (especially when we're only on - what? - Gen 2 of a process that's going to get better and better) is a losing battle.

I dig the fight you're fighting, but fight on better turf than 'the eyes are slightly the wrong size' and don't gaslight me.

The government was the originator of redlining, and it was quite openly about denying mortgages in minority areas. The redlining maps were created by the FHLBB and the HOLC, both New Deal government corporations. This was ended in 1968.

The Clinton changes were designed to increase loans to poor people. And they did. But this turned out to be a bad idea.

The Fair Isaac score was anything but fair. It predicts whether or not you will default on a loan in a given amount of time.

Yes, that's what it's supposed to do.

It is highly correlated with ethnic back grounds, parents income and where you lived. Does your spouce have the same last name as you, is your name in the top 100 names of the year you were born.

It may in fact be correlated with these things (because they're correlated with likelyhood of default), but it's not based on them. Some of those aren't even in the credit report the score is based on. Location isn't used in the FICO score.

I think the key was to get the government securitizers (Freddie Mac and Fannie Mae) to accept their new credit score. But they have people for that too. Possibly including blackjack dealers and hookers (or more likely "procurers").

Headline promises open warfare. Summary says the price of a FICO score is going up $5. Weak sauce.

May I ask why you call firing people morally corrupt? Illegal, according to some artificial definitions of what is supposed to be the law, which is a system designed to force behaviors, maybe. But morally corrupt? Please explain, I really do not get it, absolutely don't understand what is morally corrupt about firing people that you don't want to work with because any reasons whatsoever. If it is your business, you should be able to fire anyone, it's not about morality, it is purely, completely a monetary decision. Do you feel morally corrupt for purchasing things on sale rather than overpaying for them?

To anyone younger than Gen X, there are no more than four generations -- Boomer (anyone older than a Millennial), Millennial, Zed, Alpha. Probably the Zeds think the Millennials are Boomers too.

It's possible the cop took this to a prosecutor, and the prosecutor told him something like:

"Look, Sergeant, I can't say for sure the lady in the Flock camera isn't your suspect, but I can't say that it is either. You've got her truck in the neighborhood, and a similar truck driving by but no license plate on the drive-by and no direct connection between the thief and the truck anyway. All this is suggestive but not proof beyond reasonable doubt, and if I can see that so can opposing counsel. If I bring this to court it's going to get thrown out and I'm going to look like an idiot. You'll have to get me more evidence before I'll go to court with this."

And so the Sergeant heads over to the lady's house and tries to pressure her into a confession.

Ancillary to that, sometimes an implementation can obscure just what problems to which it is or has become (due to changes) immune. And sometimes it is not even clear that the old code made some problem invisible since the problem never appeared in testing.

5. Assuming every problem has a unique cause as opposed to a symphony of causes.
6. Assume every problem is singular and not a combination of other problems where one problem can obscure another.

"Complaining about a problem without posing a solution is called whining." Teddy wasn't living in the latter part of the 20th century. The push to clean up the environment after the destruction caused by companies and their greed was "whining" until the "whining" became so loud that the gov. had to do something. The gov. did something not because they saw the pollution, the did something because the decibel level got high and the pols feared for their jobs.