If you're afraid of spreadsheets in the financial industry, you should probably just keep your eyes closed. The entire industry is built on them to a very large degree. I've been in IT for almost 30 years, and over most of that, I've seen Excel spreadsheets used throughout the various accounting departments of companies ranging from small operations of a couple of dozen people up to multinationals with tens of thousands of employees, with some banks in there. Some of those spreadsheets are enormous and are doing complex calculations across sometimes a couple dozen worksheets, where changing one number can take several seconds to recalculate everything even on a reasonably modern computer.

Unlock all interactions? No. Unlocking a specific interaction? Maybe.

For common uses (like the public web), the most likely approach to decrypting a specific interaction is to break the RSA (cert-based) on the outside and then the Diffie-Hellman (ephemeral per-transaction) on the inside, then recover the symmetric encryption key to decrypt the rest of the conversation. But this is not trivial, and it requires more work than to just toss the transaction into the quantum computer.

The ephemeral layer is where things get harder. Even if you can derive the RSA key on a regular connection, you've got the first layer, but the DH layer is redone for each new connection. (Some sites don't use DH, or are vulnerable to downgrade attacks where DH isn't used, but DH is pretty widespread.) Every ephemeral negotiation has to be individually cracked. Tor uses DH or x25519 on all connections, so each has to be individually cracked. It is expected that breaking an individual 2048-bit RSA or DH encryption would take several hours if one had a quantum computer of sufficient power. Cracking 3072- or 4096-bit RSA/DH will take even longer, if it's even possible on the same systems. However, we appear to be a long way from such capabilities, and the NSA isn't likely to use it to break arbitrary Tor connection encryption, saving it instead for much more practical items. As soon as the NSA has practical quantum computing, it's going to have decades of backlog to go through just for the international signals, and getting anything moved up in line is going to need a damned good reason.

> Making Alexa is not THAAAAT hard

Last year, the WSJ reported that Amazon lost $25 billion on Alexa from 2017-2021, partially from selling devices below cost but mostly because of development costs. It seems like it's harder than you think.

The problem is not really the interest rates. These are short-term loans. If your mortgage was a short-term loan your calculated interest rate would be 200-300% because of all the fees.
The problem is that they let people roll over the loans by just paying the fee again, and they turn into long-term loans. They should require some principal payment every time, reduce the fee with each rollover, and strictly limit the number of rollovers.

One class I would recommend is Intro to Coherent Sentences 101.

The most impressive part about this whole story is that ChatGPT was able to figure out what he was saying.

There should be a word for it. Germans would just invent one on the spot. Something like Nachguckfauligkeit.
Maybe... Googulazy ?

Some questionable calls are more important than others. Some would be so important that even a small chance of success would make it worth challenging. Others would need to be nearly certain to succeed to make it a good decision. There's a lot of luck involved in which situations occur.

When you look at all of Europe, it's more like a weekly thing, and sometimes a daily thing. The ones that make the news are the bigger bombs like the thousand-pound bomb mentioned in TFS or the rare ones that cannot be made safe and have to be detonated in place, which can mean a lot of new business for window installers even with dampening.

You can't be the "baddest kick ass person on the block" without having an effective ability to fight. That means weapons, and it means training on how to use them most effectively. When going up against the Soviet Union, that means a nuclear arsenal. We made plenty of mistakes along the way, but we also helped ensure through deterrence that the Soviets never moved on Western Europe, and we helped ensure through diplomacy that World War III never broke out.

I still have my very first credit card. It's 20+ years old, sits in a lockbox, and has a thousand dollar limit, by far the lowest of my cards. It costs me $10 a year to maintain. It's there entirely because it anchors the oldest account ranking for me.

My credit score is well over 800 and I don't see how I'm exploitable. I haven't paid any CC fees or interest in decades, and have no debt anywhere else. But maybe I'm missing something obvious. Can you explain a bit? (serious question).

Oregon isn't a red state overall. Almost all states, whether red, blue, or purple, allow felons to vote at some point.

Democrats sure don't. They want them to vote and everything.

The following red states allow felons to vote after completing their sentences (carceral sentences in some cases, or complete sentences and fines in others):

Alaska, Arkansas, Florida (1), Georgia, Idaho, Indiana, Iowa (2), Kansas, Kentucky (3), Louisiana, Missouri, Montana, Nebraska, North Carolina, North Dakota, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, and West Virginia.

That's the overwhelming majority of them. A couple of them have exceptions for certain crimes like rape and murder, but for the rest, if you can finish your sentence, you can probably vote.

(1) Sort of -- the state government has intentionally made a mess of the initiative that passed 65-35.

(2) While the Iowa constitution bars felons from voting unless they have applied to the governor to have voting rights reinstated, Gov. Reynolds (a Republican) has a standing executive order automatically reinstating voting rights of felons upon completing their sentences unless they were convicted of murder.

(3) Similar to (2), except that Gov. Beshear's executive order applies only to those convicted of non-violent offenses.

So they can add it to enterprise bundles, I'm guessing.