As far as I understand (not a US citizen), the biggest thing people seem to do is: -get a credit card -do your normal shopping with it But this just seems nonsensical to me, sure if you can't pay your shopping cart, a mortgage is very likely a bad idea. But what predictive value is there in this score besides that? For individuals it seems more useful to just ask payslip info instead of some weird arbitrary number to get the feeling if someone can pay you.

I don't understand the US credit score at all. What's the predictive value of you paying off a mortgage based on you just shopping with a credit card? Sure if you can't pay your normal shopping cart, probably you shouldn't really be getting a mortgage, but the predictive value besides that seems lost on me. Surely a bank could just ask your payslip info and get a more accurate feel whether or not you are creditworthy?

> Surely a bank could just ask your payslip info and get a more accurate feel whether or not you are creditworthy?

They do that, too. You have to provide all of your income data over the past like 3 years and explain any extra income (why did your parents give you $1000 a couple years ago?). Credit score is just one more datapoint, and I think it's more about your score being "not bad" (i.e. you didn't screw a previous creditor) than it is about it being "good."

I don’t follow.

Shopping with a credit card literally involves managing a line of credit.

You don’t see how that relates to creditworthiness?

You also believe purely income information is a better indicator of credit worthiness? It tells you almost nothing (which is why income plus all current expenses is used).

A mortgage is about the ability to pay back hundreds of thousands over an extremely long time period. Your normal shopping is a blip, and it makes barely any difference because normal people just use their credit card the same as if it was a debit one (the only difference you pay it off at the end of the month). So it doesn't tell me anything about your ability to handle real credit. What do I care that you pay off a 100-ish bucks a month by buying food? I don't think paying off your shopping cart is very impressive, and someone telling me "I've paid off my shopping carts for over 15 years" (which is what advice US people seem to throw around to use your credit card for) isn't going to impress me, yet this is what a company uses for important stuff? And at least employment status/income tells me something, rather than nothing.

I don't think you understand how the average person handles credit card debt.

Plenty of people fail to pay even monthly credit card debt. That a massive,massive signal to how they'd handle larger amounts of credit.

There are still chess tournaments for humans, even though our smartphone could play chess better than any grandmaster.

The thing is though, it's trained on human text. And most humans are per difinition, very fallible. Unless someone made it so that it can never get trained on subtly wrong code, how will it ever improve? Imho AI can be great for suggestions as for which method to use (visual studio has this, and I think there is an extension for visual studio code for a couple of languages). I think fine grained things like this are very useful, but I think code snippets are just too coarse to actually be helpful.

Improve itself through experimentation with reinforcement learning. This is how humans improve too. AlphaZero does it.

The amount of work in that area of research is substantial. You will see world shattering results in a few years.

Current SOTA: https://openai.com/blog/vpt/

I think you are basically describing why people want modules to be implemented.

COM as far as I used it was always this incredibly opaque thing that no one understood. The only good thing is that you could generate C# code in visual studio for it, but the generated stuff is barely understandable and versioning with COM is another big issue.

> "The only good thing"

The good thing is that in dynamic languages (VBScript, Python, PowerShell) you can instantiate COM objects and call their methods in a couple of lines. I have never held the "oh but COM is badly designed and complicated inside" complaint in high regard, because the alternatives are either: it should be easy for programmers and if it's hard for users who cares, which is worse, or if it's not easy for programmers it shouldn't exist at all, which is also worse.

What about yaml? Most people use it for configuration, but few would write out a yaml file as output instead of a json file even though they could.

It sort of reminds me of a video I watched some time ago where some guy explains how he was cutting costs, by instead of having a high memory server they used one with nvme SSD and cut on memory usage a bit (I believe they used it to host some redis instance). Was like 1700 dollar difference per month, although I couldn't help but think if the time spent on the project was actually worth the manhours paid to the guy for cutting those costs.

Did you consider the fact that your domain name itself could have been the cause by itself? It is not extremely far fetched that stamhoofd could somehow find its way in being found offensive by some automated tool (or a person who takes these things very seriously). It would explain the TOS violation too, if it considered the word to be problematic.

I think it is simply the domain name itself, not anything they did. The domain name he uses (stamhoofd) translates to "head of the tribe/tribal leader". I can imagine that such a word can easily have bad connotations and nobody wants their brand to support any site with a potentially offensive name that can turn into a PR nightmare. Likely it got flagged for this reason.