That's what I assumed as well. Buy Now Pay Later loans like this have a long history of being predatory. So I took a look at what it would cost to accept Klarna (as an example) as a merchant. The reality is that they have transaction fees that are very similar to credit cards. In other words, these companies do not need to rely on missed payments to make a profit.

These companies are apparently setting themselves up to replace traditional credit card payment systems, which suits me right down to the ground.

The difference is that it is much easier to get a Klarna account, and it isn't (yet) as widely available.

I felt the same way at first. Traditional BNPL schemes were very predatory. However, Klarna (and others) appear to be playing approximately the same game as the traditional credit card processors. They charge transaction fees that are roughly the same as credit card processors, and like credit cards their customers don't pay extra if they pay their bill on time. Klarna, in particular actually appears to give customers interest free time.

The difference, for consumers, is primarily that a Klarna account is much easier to get, and it isn't universally accepted. From a merchant perspective, depending on your payment provider, you might already be able to accept Klarna, and it appears that it mostly works like a credit card. It's even possible that charge backs are less of an issue, although it does appear that transaction fees are not given back in the case of a refund.

Personally, I am all for competition when it comes to payment networks. Visa and Mastercard are both devils. More competition for them is good for all of us.

I can't think of a single other country that claims to be civilised that has a tax code so complicated you need vast amounts of software and a high-power computer just to file what is properly owed.

TLDR version: The system is engineered to be too complex for humans, which is the mark of a very very badly designed system that is suboptimal, inefficient, expensive, and useless.

Let's pretend for a moment that you've a tax system that taxes the nth dollar at the nth point along a particular curve. We can argue about which curve is approporiate some other time, my own opinion is that the more you earn, the more tax you should pay on what you earn. However, not everyone agrees with that, so let's keep it nice and generic and say that it's "some curve" (which Libertarians can define as a straight line if they absolutely want). You now don't have to adjust anything, ever. The employer notifies the IRS that $X was earned, the computer their end performs a definite integral between N (the top of the curve at the last point you paid tax) and N+X, and informs the employer that N+X is the money owed for that interval.

Nobody actually does it this way, at the moment, but that's beside the point. We need to be able to define what the minimum necessary level of complexity is before we can identify how far we are from it. The above amount has no exemptions, but honestly, trying to coerce people to spend money in particular ways isn't particuarly effective, especially if you then need a computer to work through the form because you can't understand what behaviours would actually influence the tax. If nobody (other than the very rich) have the time, energy, or motivation to find out how they're supposed to be being guided, then they're effectively unguided and you're better off with a simple system that simply taxes less in the early amounts.

This, then, is as simple as a tax system can get - one calculation per amount earned, with no forms and no tax software needed.

It does mean that, for middle-income and above, the paycheck will vary with time, but if you know how much you're going to earn in a year then you know what each paycheck will have in it. This requires a small Excel macro to calculate, not an expensive software package that mysteriously needs updating continuously, and if you're any good at money management, then it really really doesn't matter. If you aren't, then it still doesn't matter, because you'd still not cope with the existing system anyway.

In practice, it's not likely any country would actually implement a system this simple, because the rich would complain like anything and it's hard to win elections if the rich are paying your opponent and not you. But we now have a metric.

The UK system, which doesn't require the filling out of vast numbers of forms, is not quite this level of simple, but it's not horribly complicated. The difference between theoretical and actual is not great, but it's tolerable. If anyone wants to use the theoretical and derive an actual score for the UK system, they're welcome to do so. I'd be interested to see it.

The US, who left the UK for tax reasons (or was that Hotblack Desiato, I get them confused) has a much much more complex system. I'd say needlessly complicated, but it's fairly obvious it's complicated precisely to make those who are money-stressed and time-stressed pay more than they technically owe, and those who are rich and can afford accountants for other reasons pay less. Again, if anyone wants to produce a score, I'd be interested to see it.

No, I'm going to say that it is very much an American thing. They have to lay the perfectly flat layer of perfectly green grass because otherwise the little dictators in the HOA will put a lien on their property and force a sale because the grass was 3mm too tall, or not green enough in the summer heat because it wasn't watered enough, despite massive droughts.

For some reason, the nation that likes to beat its chest about its perceived freedoms from the big scary Government, seems unnaturally eager to run towards the neighbourhood oppressive dictatorships that HOAs are. All because they're scared shitless of a local municipal government taking out the trash

You don't need to simulate all that, at least initially. Scan in the brains of people who are at extremely high risk of stroke or other brain damage. If one of them suffers a lethal stroke, but their body is otherwise fine, you HAVE a full set of senses. You just need to install a way of multiplexing/demultiplexing the data from those senses and muscles, and have a radio feed - WiFi 7 should have adequate capacity.

Yes, this is very scifiish, but at this point, so is scanning in a whole brain. If you have the technology to do that, you've the technology to set up a radio feed.

The Koch Brothers paid a bunch of scientists to prove the figures being released by the IPCC and clinate scientists wrong. The scientists they paid concluded (in direct contradiction to the argument that scientists say what they're paid to say) that the figures were broadly correct, and that the average planetary temperature was the figure stated.

My recommendation would be to look for the papers from those scientists, because those are the papers that we know in advance were written by scientists determined to prove the figures wrong and failed to do so, and therefore will give the most information on how the figures are determined and how much data is involved, along with the clearest, most reasoned, arguments as to why the figures cannot actually be wrong.

...Then there's an inefficiency in the design.

You should store in the primary database in the most compressed, compact form you can that can still be accessed in reasonable time. Tokenise as well, if it'll help.

The customer should never be accessing the primary database, that's a security risk, the customer should access through a decompressed subset of the main database which is operating as a cache. Since it is a cache, it will automagically not contain any poorly-selling item or item without inventory, and the time overheads for accessing stuff nobody buys won't impact anything.

If you insist on purging, there should then be a secondary database that contains items that are being considered for purge as never having reached the cache in X number of years. This should be heavily compressed, but where you can still search for a specific record, again through a token, not a string, then add a method by which customers can put in a request for the item. If there's still no demand after a second time-out is reached, sure, delete it. If the threat of a purge leads to interest, then pull it back into primary. It still won't take up much space, because it's still somewhat compressed unless demand actually holds it in the cache.

This method:

(a) Reduces space the system needs, as dictated by the customer and not by Amazon
(b) Purges items the system doesn't need, as dictated by the customer and not by Amazon

The customers will then drive what is in the marketplace, so the customers decide how much data space they're willing to pay for (since that will obviously impact price).

If Amazon actually believe in that whole marketplace gumph, then they should have the marketplace drive the system. If they don't actually believe in the marketplace, then they should state so, clearly and precisely, rather than pretend to be one. But I rather suspect that might impact how people see them.

What killed it for me was the hoops I had to jump through to post a question. I gave up on it long before the AI bots came around.

A Russian asset does not mean he's Russian, it's a claim that he's an asset used by Russia.

Something that quick won't be from random mutations of coding genes, but it's entirely believable for genes that aren't considered coding but which control coding genes. It would also be believable for epigenetic markers.

So there's quite a few ways you can get extremely rapid change. I'm curious as to which mechanism is used - it might not be either of those I suggested, either.

I didn't see any outrage. If you need to see outrage that desperately, seek help.

Manchester, England. I resisted getting a Slashdot ID for a while, as I hated the idea of username/password logins rather than just entering a name. Otherwise my UID would be two or three digits, as I had been on Slashdot a long time before they had usernames.

No, I would have to disagree, for a simple reason.

Humans are capable of abstracting/generalising, extrapolating, and projecting because of the architecture of the brain and not because of any specific feature of a human neuron.

The very nature of a NN architecture means that NNs, as they exist, cannot ever perform the functions that make humans intelligent. The human brain is designed purely around input semantics (what things mean), not input syntax (what things are), because the brain has essentially nothing external in it, everything is internal.

I use AGI to mean an AI that is capable of anything the biological brain is capable of, because the brain is the only probable intelligence to measure against.

This has nothing to do with good/bad, or any of the other stuff in your post. It's a simple process - if there's a model of thought the brain can do, then it is a modern of thought an AGI must do or it is neither general nor intelligent.

In America we have essentially legislated against small vehicles. Our CAFE standards were supposedly designed to push us towards more fuel efficient vehicles, but the reality is that the easiest way to pass CAFE standards is to simply make the vehicle larger. So the United States ends up with larger vehicles, and the smaller vehicles that we do get tend to be more expensive than we should be. We have essentially legislated away the category of a ultra basic small car. That happens to be a pretty popular segment in most of the world. The small cars we can buy are nearly as expensive as their larger brethren and so they make a lot less sense.

EVs are an even better example of how U.S. legislation skews things towards larger ICE vehicles. The most popular EVs in most of the world are the most basic EVs. I personally would love to buy a basic EV to replace my current commuter car. I have a house and a place to plug in an EV. My commute is short and even the most basic EVs would be fine. However, the only vehicles available in the market are essentially luxury vehicles. I can buy a whole lot of gasoline for $30K, which is the least expensive new EV available here, but if I could get my hands on a cheap Chinese EV for $12K I absolutely would do that. For the price of the least expensive EV you can basically buy a Toyota RAV4 that is a much more capable vehicle.