In this sample, if overdraft is enabled, you pay up to 15% p.a., if disabled the cancellation fee is up to 2€ for the postal notice, but mostly just porto (0,80€).
The customer still pays for fraud, one way or the other. So why not aim to prevent fraud in the first place by using a simple and effective second factor to mere possession of the card?
(1) Most people would rather pay the cost of fraud averaged across all accounts than suffer the risk of unlimited fraud against their own account.
(2) Putting the risk on credit card companies highly incentives them to fight fraud. This is ideal because they make the money and they are best positioned to fight it.
(3) Your premise is false to begin with. Higher fraud, like taxes, is payed for by some combination of the customers, the employees, and the owners (though actually it's more complicated than that due to contractual agreements: I believe merchants bear the penalty so we get recursive).
Even when the customer pays exclusively, there's a propagation delay that hits somebody else's wallet in the interim. (E.g., merchants don't raise prices immediately everytime fraud/taxes/wages increase.) It's a mistake to think of this as a mere transitory effect rather than a structural advantage that favors the consumer.
PINs are safer, and less fraud is better. At the end of the day, shifting blame and liability is not going to change anything.
However, using security factors like secrets or updating the withdrawal limit is possibly inconvenient, that's why some people rather not use them and companies are incentivised to just recover the relatively minor losses to fraud in fees.
I guess it comes down to the fact that in some countries people are used to having about five different cards, and in others it's close to one.
((1) is both disingenuous (ignoring sensible withdrawal limits) and mathematically wrong (unlimited fraud spread evenly over all accounts is still unlimited fraud against every account). I guess people would pay more to avoid surprises, but they'd like it even more if there was less fraud.)
(3) The point was more that someone will have to pay for the fraud that is happening. Deriving a structural advantage from not using secrets is far fetched.
In 8:39 - 8:42, there's a group (three people with a dog and stroller) crossing the street left to right.
Here's what the Tesla recognises on the screen:
One person
Nothing
Motorcycle
Nothing
Motorcycle
Nothing
Car
Nothing
One person
Two persons
One person
One person and a motorcycle
One person
Nothing
Motorcycle
One person
One person and two motorcycles
Two persons
One person
One person and a motorcycle
Two persons
One person
It seems to me you wouldn't really need public testing yet at this early stage of development. At a minimum, I would expect it to count the people correctly and get rid of the motorcycles, i.e. basic perception.
Absolutely, an essential part of driving is predicting how the state of the world will change in the future - and the behaviour of a motorcycle is vastly different from the behaviour of a stroller.
In this case it doesn't matter, because there's a car in front anyway.
I don't know how much the system can ignore or mislabel people and still drive safely, but right now it's not really safe and it's not necessary to have the car drive while improving object recognition.
> "(Europe has over 100 mobile operators, compared with a handful in America or China.) These lack the economies of scale and opportunities to grow quickly enjoyed by firms plying the American or Chinese markets."
This is such a bad example, I count 6 European carriers with more subscribers than AT&T.
Rightly so. It's absolutely pathetic, and it's because of the lack of competition through the scale of those who own and control the market, combined with the government keeping their hands off the market-controllers.
Purely rent-seeking and stagnant. Pathetic. Damagingly awful.
Because of a lack of competition, it’s the same issue as the US, but at a smaller scale (at least in most areas you can subscribe to multiple ISPs).
E.g. in The Netherlands you can subscribe to a large number of ISPs. In the largest part of the country either through *DSL or cable. Increasingly also fiber. This is because the government regulated internet access very early on. When the state telephone company was privatized, they were forced to make the infrastructure available to others.
The power of real competition (in contrast to ‘winner takes all’) should not be underestimated. As a result of a free market + some government regulation, anyone in the country can subscribe to an ISP that actually cares about their customers.
Xs4all was a provider that literally grew out of the hacker community and proactively fought for their user’s freedom and privacy rights (e.g. by supporting subscribers in court who were sued by Scientology for revealing information about the Church of Scientology on their Xs4all webpage).
At any rate, at some point Xs4all was bought by one of the largest ISPs (KPN). For a very long time they operated as an independent unit, continuing their strong stance on ethics. The last few years, they have been assimilated more and more by KPN. A few former employees and other supporters decided to start a new ISP, freedom.nl, that carries on the privacy/freedom angle of Xs4all. And with relatively little capital investment they are now up and running and anyone living in The Netherlands can subscribe to them.
This is only possible in a market where regulation enforces real competition. I thing regulated capitalism is one of the strengths of Europe. It may not always result in the best outcome for shareholders, but it’s definitely great for the general population.
Do we always get it right? No. I lived in Germany for 5 years, and indeed, the ISP options and quality were pretty miserable.
>Its funny how Germany was ruled for 16 years now by a party whose voters live mostly in rural areas, but didn't do a lot for those areas ...
It's the same with trump. He mostly cared about himself. The only thing he did right for his voterbase is starting the trade war. From a pragmatic standpoint the tradewar was necessary, even if it's not the best thing you could possibly do. The point is that the economy is very slow, the short term can last decades. Hoping for an economic recovery that pulls up everyone will happen one day but not within the term of any politicians of today. A tradewar is a quick hack to achieve full employment.
Its interesting that you get downvoted just for saying that we should have government regulation that leads to working markets with a healthy competition making things better for people.
> I thing regulated capitalism is one of the strengths of Europe. It may not always result in the best outcome for shareholders, but it’s definitely great for the general population.
The UK government has a democratic mandate to track infections, including by tracking visitors to areas of risk. The correct way to do this, and how most other governments do it is to provide two Apps. One for trivial QR/location based tracking, one for contact based tracking using the government-exclusive APIs.
The point is, the UK government made a technical error, we cannot extrapolate a democratic deficit or malice or anything like that from the information we have from this event.
This is not surprising for a ex-government agency that is still substantially government owned. Somewhat anti-competitive, expensive, and they clearly have no sense of urgency with regard to fibre.
But more than half their revenue is now from the US Market, which they didn't enter in such a privileged position.
Anyway, 100% of Germany to be covered with FTTH by 2030 :)
> Von der Leyen [said] the epidemiological situation was worsening
> “The European Commission will know that the rest of the world is looking at the Commission, about how it conducts itself on this, and if contracts get broken, and undertakings, that is a very damaging thing to happen for a trading bloc that prides itself on the rules of law,” Defence Minister Ben Wallace said
Can't believe such bullshit in the face of a humanitarian crisis. Sales are cancelled all the time. It would only be reciprocal, and in line with US policy. More importantly, the UK is already thoroughly vaccinated, and the risk is very low throughout the summer. For once, the UK has time.
He's right in that export restrictions on vaccines are wrong, but it's because much of the rest of the world is even worse off than the EU, not because this tool has a piece of paper.
> if one were to measure a coastline with infinite or near-infinite resolution, the length of the infinitely short kinks in the coastline would add up to infinity.
No they wouldn't. The sum would converge. What a bad article.
Well the argument does break down as you get to the atomic level, but the observation is morally correct; the idea (and the divergent sum) is easiest to see with the Koch snowflake (which has an infinite perimeter)
There is some self-similarity going on (Mandelbrot discusses scales from 1000 km to 10 km) but rocks or coastal sections with the fractal dimension of Great Britain on a scale of 1m or 10m are a rare exception.
I'm not an expert, but I think it's because as the length scale gets smaller, coastal erosion dominates the coastline, as opposed to an older force producing larger features, like glacial erosion or even plate tectonics. No reason to drag quantum mechanics into this discussion, but the circumference of an atom can be defined, so that's not a problem.
An actual Koch snowflake you can buy will always have a measurable circumference.
E: Some of this misunderstanding is actually due to Mandelbrot himself, he wrote in the introduction to [How long is the Coast of Britain?, 1967]:
> Geographical curves are so involved in their detail that their lengths are often infinite or, rather, undefinable.
No, they're not any more infinite than a toothbrush.
It absolutely reads like anxiety to me (except for the dermatological issues).
Feeling short of breath (short of an emergency) can cause headaches, dizziness and random pain as a consequence of breathing too much. Left arm goes numb when there's too much tension in the left shoulder. Palpitations can also be related to excessive tension in the upper body, as can the circulation issues.
It doesn't need acute stress for that, just a steady accumulation.
I hope it's not disrespectful, but this is the most common explanation, although it doesn't usually get this bad.
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In this sample, if overdraft is enabled, you pay up to 15% p.a., if disabled the cancellation fee is up to 2€ for the postal notice, but mostly just porto (0,80€).