Comment Re: Not just defensive (Score 1) 31
Every public library has a stack of surplus books they want to be rid of, hence the annual book sales.
So what they should do is get the author name and book title from the patron, print a cover with those words and some generic picture, and glue that to the cover of one of the surplus books. Give them that.
Make everyone happy.
Comment Re: Well you see, the difference here (Score 1) 57
Oh, your idea is that the base model isn't built on ChatGPT or any other model?
Comment Re:This should stop the abuse of H1-B (Score 1) 206
100% there were abuses in the past. But this has been cracked down and the bodyshops account for a pretty small % of the H1-B hires.
[Citation Needed]. I don't know why you think that.
Comment Re:Going for gold (Score 1) 239
Some people like advertisements, believe it or not. People were actually buying Viagra advertised in spam email.
Comment Be brave as a rooster (Score 1) 42
I'm pretty sure I heard somewhere the French motto is, "Never surrender!"
Be brave you lone two Paris video stores.
Be brave you lone two Paris video stores.
Comment Re:32 (Score 1) 38
I see you build hardware.
Hardware guy once made an API for me that returned an 6 bit signed integer in an eight bit field, sign not extended. It was just easier for him. 21 bits, 25 bits, it didn't matter to him, it was all the same.
Hardware guy once made an API for me that returned an 6 bit signed integer in an eight bit field, sign not extended. It was just easier for him. 21 bits, 25 bits, it didn't matter to him, it was all the same.
Comment Three laws of robotics (Score 1) 239
Inflicting emotional distress while ignoring the owner's pleas to desist violates the three laws of robotics.
Who knew it would begin with our refrigerators.
Comment Re: Well you see, the difference here (Score 1) 57
I don't understand your point.
Comment Re: Well you see, the difference here (Score 1) 57
It's actually very possible as a price. The most logical way to build a chatbot on a budget is to start with one of the open source training models, then add your own training building on top of it. There are some problems with this approach, but it also is an approach that works, and will get you there at a lower price.
Comment Re:Credit scores are not what you think they are (Score 1) 102
We are all in agreement, except apparently some moderator out there.
Comment Re:Credit scores are not what you think they are (Score 4, Informative) 102
Basing a person's credit score on credit usage rather than payment history is part of the system's bullshit.
Sort of, but lenders aren't looking for people who have good financial sense.
Lenders are looking for people who will borrow a lot of money, then continue paying on that loan. Which is not the same thing as having financial sense.
Comment Re:Credit scores are not what you think they are (Score 1) 102
but my score has gone down as I have behaved faithfully and paid off my debts on schedule.
That is very possible because having open (especially long term) debts improves your credit rating. Once you pay it off completely, it's not open anymore.
Comment Re:Dumb correlation (Score 1) 53
Since the Cretaceous period, apparently. There is enough alcohol present in the environment that most species have found a way to metabolize it. Same with mercury: although it's not useful, it's omnipresence in the environment means our bodies needed to develop a way to deal with it.
Gen Z Leads Biggest Drop In FICO Scores Since Financial Crisis 102
An anonymous reader quotes a report from Bloomberg: Gen Z borrowers took the biggest hit of any age group this year, helping pull overall credit scores lower in the worst year for US consumer credit quality since the global financial crisis roiled the world's economy. The average FICO score slipped to 715 in April from 717 a year earlier, marking the second consecutive year-over-year drop, according to a report released Tuesday by Fair Isaac Corp. The average score dropped three points to 687 in 2009.
Gen Z borrowers saw the largest drop, not only this year, but of any age group since 2020, with their average score falling three points to 676, the Montana-based creator of the FICO credit score said. FICO scores are a measure of consumer credit risk and are frequently used by US banks to assess whether to provide loans. The scores typically range from 300 to 850. The credit scoring agency attributed the recent overall drop to higher rates of utilization and delinquency, including the resumption of reporting student loan delinquencies -- a category that hit a record high of 3.1% of the entire scorable population. [...] While the overall average score dropped, the median FICO score continued to rise to 745 from 744 a year ago, indicating that a large drop in scores at the low end dragged down the average.
Gen Z borrowers saw the largest drop, not only this year, but of any age group since 2020, with their average score falling three points to 676, the Montana-based creator of the FICO credit score said. FICO scores are a measure of consumer credit risk and are frequently used by US banks to assess whether to provide loans. The scores typically range from 300 to 850. The credit scoring agency attributed the recent overall drop to higher rates of utilization and delinquency, including the resumption of reporting student loan delinquencies -- a category that hit a record high of 3.1% of the entire scorable population. [...] While the overall average score dropped, the median FICO score continued to rise to 745 from 744 a year ago, indicating that a large drop in scores at the low end dragged down the average.
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