"TransUnion and Experian, two of the three major credit bureaus, have started dismissing a larger share of consumer complaints without help since the Trump administration began dismantling the CFPB."
And one would hope that the purpose of the CFPB would be to dissuade lenders from wronging consumers in the first place, meaning the net benefit to consumers was likely much higher.
Their mere presence was effective. I know people who had trouble with banks refusing to fix their own screwups and demanding evidence that couldn’t exist.
They changed their tune the second there was an open case on the matter.
Also of note is they were responsible for medical debt cases, which are particularly difficult for people to resolve because of the shared responsibility between the patient and the insurer, which allows the insurer to deflect responsibility until the bill ends up in collections.
Try oat groats, this will have the lowest GI. You can cook them like rice, even in a rice cooker, using the same technique ... for a firmer result use less water and cook for less time. You can start off with roughly 1:1 ratio of oat groats to water. I do .75 cups oat groats to 1.25 cups water.
FedNow is what has PayPal's former investors so terrified (so much so that investors don't even think PayPal warrants a double digit multiple).
No cost instant financial transfers between US financial users is coming over the next decade. The Fed has 1,400 banks onboard so far, up from 900 the prior year (that's 1,400 in two years). Half of PayPal's business goes away over the coming decade.
I think PayPal and Venmo will be just fine with FedNow. They will work the same but with faster transfers. They will be pseudo-banks with internal transfers, FedNow transfers to others, and instant transfers to bank accounts. They will be alternative to bank apps. PayPal's purchase protection could be important for purchases unless banks work something else out.
Zelle is the one that is doomed since they are bank-run instant transfers that FedNow directly replaces.
We have free instant payments in the Eurozone, UK has had them for about a decade and I'd say PayPal is doing fine (unfortunately). So what's the concern?
Not sure anyone gets an API at no cost for those US transfers ... for person-to-person, they will be/are awesome, but for commerce, pretty sure it will not be a free service.
> Citrini Research on Sunday published a report on Substack laying out hypothetical scenarios for how developments in AI could disrupt certain parts of the economy. Stocks that were mentioned in the report tumbled on Monday.
The Heritage Foundation (Project 2025, far-right, anti-climate) is working with the Heartland Institute (spreading climate science denial across UK / EU) / Alliance for Responsible Citizenship (ARC, Jordan Peterson)
They do not like EU rules that hold US firms accountable to climate laws.
Sorry, I'm not saying the far-right isn't (whatever) anti-climate change.
I just meant that I don't think the lack of concern is necessarily due to them. I think it may have more to do with the reality that we are already on a good path.
"Influenza vaccination is associated with significantly lower odds of myocardial infarction (MI), according to a large meta-analysis published late last week in BMC Public Health."
It’s a good thing the specific criticism of this trial is that they didn’t use the most effective vaccine for 65+ people, since you’re concerned about having the most effective vaccines.
> Note the paradox here: one of the principles of training is to stimulate the body, to “wear it out” at a given moment in time in order to trigger the physiological processes that will lead to improved capabilities, the fight against fatigue… and, ultimately, increased resistance to physical stress.
A somewhat recent paper:
Systematic review and meta-analysis of antioxidants with or without exercise training improving muscle condition in older adults
Seems to imply that as we get older, antioxidants might help the body recover from exercise. More specifically, antioxidants may help resolve exercise induced inflammation in adults aged over 55 years.
So it seems that, yes, as you get older, its easier for the body to wear down, but this can be mitigated somewhat.
DuckDB has experimental builds for Android ... I'm wondering how much work it would take to implement a Java API for it similar to sqlite (Cursor, etc).
Yes, I noticed this too. I ran a lot in high school / university, and for some reason we mostly ran on the roads. In my late 20s a doctor told me my knees sounded like they were "65".
I read a book my Michael Colgan at the time, and he mentioned training athletes on the trails as much as possible to reduce injury, so I gave it a try ...
That was 25+ years ago. At first people looked at me strange, like I was running from an animal. But its common now, and I'm still running on the trail, and knees seem OK.
Yes of course, you can still trip, step on a snake, etc, but its a different kind of injury. You are adapting gait and balance constantly which is nice too.
Running on the trail is much more interesting, with constant change, ups, downs, variations. Whereas running on grass / asphalt I can go into autopilot mentally and start ruminating, this is harder on the trail and I am more in a state of "here and now".
Might not even matter ...
"TransUnion and Experian, two of the three major credit bureaus, have started dismissing a larger share of consumer complaints without help since the Trump administration began dismantling the CFPB."
https://www.propublica.org/article/credit-report-mistakes-cf...