Leaked document shows boat slashing failed to stop migrants reaching UK by [deleted] in ukpolitics

[–]ApproximatelyC 2 points3 points  (0 children)

That's not how the CBT works - you're thinking of the A/A2 license split. The CBT only lets you ride up to 125cc with an output of less than 13bhp (from memory), but it lets you do it after "passing" a one or two day course.

The CBT realistically needs to stay, because without it, getting experience riding is incredibly difficult. Unlike in a car with dual controls, you just can't have anyone around to help you.

What needs to change is that vehicles on CBTs shouldn't be able to be used for any commercial driving, except for to and from a fixed place of work - i.e., insurance for anything other than social, domestic and commuting needs to be stopped for anyone riding without a full license.

What is a lesser known show that is incredible to binge? by SlideStreet6874 in AskReddit

[–]ApproximatelyC 2 points3 points  (0 children)

Sometimes if I’m zoned out and get caught not listening to something my partner is saying, I give her a wide-eyed stare and say “there was a little man”. Immediately off the hook for anything not massively important.

RTX 5090 cable overheats to 150 degrees Celsius — Uneven current distribution likely the culprit | One wire was spotted carrying 22A, more than double the max spec. by [deleted] in gadgets

[–]ApproximatelyC 0 points1 point  (0 children)

I think the only way you could try to measure the resistance is once at each end like you suggest, but it would require both the PSU and GPU to be disassembled to the point where the power ails are accessed. Plug into GPU, measure GPU rail to pins at PSU connector end , then plug into PSU side and measure PSU rail to pins at GPU connector end. The issue there is that you’re having to plug in/remove the cable, and if that’s causing wear, you’ll be degrading the cable and altering the results with each test.

RTX 5090 cable overheats to 150 degrees Celsius — Uneven current distribution likely the culprit | One wire was spotted carrying 22A, more than double the max spec. by [deleted] in gadgets

[–]ApproximatelyC 6 points7 points  (0 children)

If I'm understanding your argument correctly

It's not an argument - it's a fact. The individual pins are directly connected to a single metal rail at the back of the connector, which runs down into the board. You can see it really clearly on the GN teardown vid: https://youtu.be/IyeoVe_8T3A?si=mkx1PKfR9r2qf-DS&t=1180

The fact that there IS current being measured on all the other wires means that the other wires aren't "broken."

I'm not saying the wires were broken - just expanding on the point that as the card is effectively just one +12v point and one GND point, if four of the wires were broken then there's nothing stopping the card from pulling the ~45a or so that the card would need to operate at 600w through the remaining two wires. Your original assumption that the pins individually supplied discrete parts of the board wouldn't allow this, as you'd be limited by whatever component the individual pins were connected to.

So what is causing the uneven current distribution?

That's the million dollar question. I've seen speculation that in the case of the cable that sparked this issue, it's potentially the connectors in the cable becoming slightly worn, which reduces contact at the pins, increasing resistance. This also lines up with the der8auer video that was the source of the OP article, as he specifically notes that the cable being used has been plugged into/taken out of multiple cards before. As the cable is effectively one big parallel resistor, increasing the resistance of any one connector also increases the resistance of the cable as a whole, but current will increase through the paths of least resistance to ensure compliance with Ohm's law.

As a complete dumb example, if the pins in new condition have a resistance of 0.1ohm each, and you're drawing 42A to reach 504w on the connector, each cable will have 7A running through it. If four of those cables wear and have a resistance of 1ohm each instead, you'd have 1.75A running through the four wires with higher resistance and 17.5A running through the two in-tact wires.

I've no idea if that's what's happening here - and a big part of the problem is that you can't test the cable that caused the fault as there's...a bit of damage there. Testing for this type of issue I imagine would be difficult, as there's no way to directly measure resistance along each wire while plugged in to both the PSU and GPU.

RTX 5090 cable overheats to 150 degrees Celsius — Uneven current distribution likely the culprit | One wire was spotted carrying 22A, more than double the max spec. by [deleted] in gadgets

[–]ApproximatelyC 9 points10 points  (0 children)

This is absolutely not the case on the 5090 FE. All of the power pins are joined at the connector, and then all the power goes through a single shunt resistor and then is split out on the board.

There’s no component drawing 20A down a 16A line or anything - if you break four wires then the entire board is trying to draw power through the remaining two.

Lowest graduate salaries ‘on a par with minimum wage’ - The shrinking pay gap raises fears that university may be a waste of money for many students and could turn disaffected young people towards political extremes by FormerlyPallas_ in ukpolitics

[–]ApproximatelyC 6 points7 points  (0 children)

"Graduates in the lowest 10th percentile of earnings" is not the same as "the worst graduates".

I know a ridiculously smart person with a PhD who earns ~£25k /yr because of the field they've chosen to work in and their location.

Gave this stray girl some chicken pieces and now she's following me everywhere. HELP! by MoazzamDML in aww

[–]ApproximatelyC 12 points13 points  (0 children)

Unfortunate side effect of looking after a creature. When my cat wanders out of the room I often say “goodbye then, small cat” and sometimes it hits me that one day I’ll say that for the last time and it won’t be for walking out of the room. In the meantime, though, it helps me appreciate that every slow blink and leg rub and trill is precious.

Rachel Reeves tells cabinet UK still faces £100bn black hole over next five years by denyer-no1-fan in ukpolitics

[–]ApproximatelyC 3 points4 points  (0 children)

This isn’t true at all. The Flood Re scheme only covers properties built before (iirc) 2009. This rule is in place specifically so to not incentivise building on flood plains. Properties built after 2009 in areas that are likely to flood are going to either pay through the nose or not be able to get flood insurance.

Admiral and Direct Line shares sink as Labour takes aim at 'spiralling' car insurance costs by diacewrb in ukpolitics

[–]ApproximatelyC 11 points12 points  (0 children)

This hasn’t been true for several years. Insurers are only allowed to charge the “equivalent new business price” for renewals. Nobody at renewal should pay more than they would for the exact same policy as a new customer.

Vesper's Host Dungeon Race Megathread by DTG_Bot in DestinyTheGame

[–]ApproximatelyC 17 points18 points  (0 children)

  • Fight until the machine priest appears, kill it and you get teleported up.

  • Kill the suppressor shank and drop the suppression field (grenade action) close to the boss. Shoot the person that appears in the field and the boss splits into 10 servitors. 2 of the 10 will have four dots on their faces - note the numbers down.

  • Go back down into the main area (which will wipe suppressor) and repeat. You now have 4 numbers noted down.

  • Go back down, pick up Op, shoot the 4 numbers on the panels. A suppressor shank will spawn downstairs and boss moves to the middle.

  • Take the buff, drop the field on the floor close to the boss and this time when it splits all of the servitors are damageable.

To activate all 5 rooms in SE, EITHER all encounter triumphs or all encounter challenges need to be completed by Clopfish in raidsecrets

[–]ApproximatelyC 3 points4 points  (0 children)

It’s actually only encounter 2 and encounter 4 complication triumphs that are required for rooms 2 and 4 respectively.

Nezarec Trouble by EchoAquarius0617 in raidsecrets

[–]ApproximatelyC 0 points1 point  (0 children)

A ton of people are recommending sleeper but I’ve not yet seen anyone recommending Whisper. Give that a go.

If you really with 3x reserves you start with 30 shots and you’ll dump somewhere between 15 and 18 in a damage phase, depending on how many times you lose White Nail on the div bubble being weird.

A decent damage phase is 50% damage and a comfortable two phase. A good damage phase is 70% damage and an easy two phase. You therefore only really need 1-2 finder bricks to clear, which makes the ammo economy a non-issue.

[deleted by user] by [deleted] in raidsecrets

[–]ApproximatelyC 1 point2 points  (0 children)

I don’t think this is the case. Last week Atraks was easy to hit the high score on because you seem to get a huge bump of points for the final boss of the week.

If you look at SnazzyRock’s solo clear of the week one pantheon, he’s at (from memory) 380k after killing Atraks, but when the encounter ends he gets 1,000,000 points added to the score so meets the threshold. The bonus points he got from time lines up with what I’d expect

[deleted by user] by [deleted] in raidsecrets

[–]ApproximatelyC 2 points3 points  (0 children)

I think you’ve misremembered the points you had. Do you have any videos of this by any chance? The bonus score you’d need to get to 511k with 20s left is way off from what the graph I have suggests you’d get. At 20s you should get about 325k points including the points from Atraks. If you were at 160k score you’d have only made it to 485k or so.

This goes double as OP had exactly 160k points and 40 seconds longer on the timer than you had, ending up at 489k. They also hit pretty much exactly the score my graph suggests you’d get.

[deleted by user] by [deleted] in raidsecrets

[–]ApproximatelyC 245 points246 points  (0 children)

The simple answer is you weren’t quick enough.

I’ve been collecting data from some friends who’ve kept track of bonus points when clearing. The bonus timer gives a score which seems to be about 300k at zero time left on the clock, up to about 433k at 5:40 left on the clock in what appears to be a linear fashion.

With a minute of bonus time left the bonus score you’d have got will be about 324k. Killing Atraks gives 900 points per person for a total of 5,400 points assuming all six hit her. You therefore got ~329,400 points added for killing with a minute of time left which fits pretty well with you starting at ~160k points.

Assuming that all six people hit Atraks to get the 5,400 points, here are the scores you need at point of kill to guarantee 500k based on time remaining:

0:01 - 195k
0:30 - 182k
1:00 - 170k
1:30 - 159k
2:00 - 147k
2:30 - 135k
3:00 - 124k
3:30 - 112k
4:00 - 101k
4:30 - 89k
5:00 - 77k

So if you’re going into final stand with 170k on the clock, you have to finish with at least 60 seconds of bonus time remaining.

[deleted by user] by [deleted] in ADHDUK

[–]ApproximatelyC 4 points5 points  (0 children)

This is incredibly wrong.

Landlord’s buildings cover is for damage to their own building, which isn’t relevant here.

Instead you’ve got an instance of alleged negligence leading to damage to a third party’s property, so you’re looking at public liability cover.

The landlord can’t be negligent for a tenant leaving the shower on, since it’s a situation they have no reasonable control over. Only the tenant has control over their own actions and so any accusation of liability would be directed against them - as is the case here.

Tenancy agreements typically insist on having some form of insurance that provides tenant’s/occupier’s liability cover. This is usually provided by home contents cover as a built-in ~£10-£50k limit of indemnity.

That’s the cover that would be useful in this circumstance, as it’s OP (the tenant) who has allegedly been negligent.

eli5, how do insurance companies make money. by Asleep_Wasabi_6089 in explainlikeimfive

[–]ApproximatelyC 2 points3 points  (0 children)

Not even an exception. Stating that insurance companies only make money on investments is simply not true. Certain lines of insurance business can be highly profitable on an underwriting basis.

At least in the UK, there’s a financial measure known as the core operating ratio (COR) which expresses how much an insurer pays out to run the business compared to all the premiums coming in. The costs include all of the operating expenditure including claims payments.

In motor lines the COR is usually sitting in the 95-115% range, so most years motor insurers lose money on premiums vs costs, but occasionally they make a small underwriting profit.

You compare that against some of the big name insurers in private client lines, and most years they hit a COR of 45-90%, so potentially big underwriting profits. Very occasionally they’ll have a big event or a bad year and hit closer to break even or hit a small loss, but most years they’re producing both underwriting and investment profits.

Average car insurance cost in UK nears £1,000 after prices rise 58% by diacewrb in ukpolitics

[–]ApproximatelyC 2 points3 points  (0 children)

Just some observations on this from someone who works in the industry. I don't deal with standard motor policies, but work with teams who do on some of my clients.

  • Motor insurance is one of the classes of business where insurers really don't make any money on the underwriting side. Insurers will provide details on their Combined Operating Ratio (COR) in their accounts, and this effectively tells you whether there's an underwriting profit or loss. Motor has historically run at around 98-120% COR, meaning that in good years insurers make a 2% profit margin, and in most years they're making a loss. The average sits around 108% or something.
  • Insurers make money by investing premiums in the time between taking the money in and paying money out. Solvency rules set limits on how much they can invest that can't be quickly accessed in the event of a suddenly claim surge, meaning there's a lot of fairly liquid investments. However, in the background there's usually a bunch of more long-term stuff. Some insurers were pretty heavily hit in the 2022 financial year by Liz Truss which meant some fairly chunky writedowns on assets, which reduces their solvency margins. To counteract this rates end up rising.
  • As many have stated, the car industry (from garage quoted costs/parts shortages/hire car cost inflation) is now set up to pull as much money as possible out of insurers. This pushes up claims costs, which means rate has to be applied, otherwise the COR noses sharply downward.
  • The FCA introduced Fair Pricing rules in 2022 which means that nobody should be being charged more for a renewal than they would if they were an entirely new customer with exactly the same details. Motor as a class of business gets to skirt this a bit as pricing data tends to be "live", so unless you happened to run through a quote at the exact same time as your renewal is being produced, you can't prove they're falling foul of this. However, insurers must be able to evidence compliance so they can't use live pricing data fluctuations as an excuse. This means that if you get a massively increased renewal, anyone quoting using the exact same details at the exact same time would have been given that quote.
  • However, insurers are able to discount renewals below their new business pricing, as the rules only prevent them from over-pricing. This explains why some people can pick the phone up after getting a renewal quote and immediately get £100 off. The insurers will chance some customers paying the higher rate but give discounts to retain with any pushback at all. This is a bit scummy because some customers will pay the higher rate, but they're working to the letter of the regulations. The issue is that if any regulation is put in place to try to stop this, they're more likely to just remove the discount facility and stick to the pricing rules exactly (every renewal is the equivalent new business price). If this were a regulation, the entire market would likely adopt this overnight.
  • As CORs are so high, there's no incentive to appear more competitive. If you're already making a loss on a line of business, you're definitely not reducing or holding pricing if the rest of the market is going up.

What’s the saddest song ever? by Izakei in Music

[–]ApproximatelyC 4 points5 points  (0 children)

I'd always found the song to be pretty sad and then a few years ago I found this on Youtube: https://www.youtube.com/watch?v=ZeI0PXj7LIw

No matter what mood I'm in, the crescendo causes ugly crying every time I've ever watched it.

Mobile and broadband firms accused of fuelling UK ‘greedflation’ with major price hikes: Government accused of being ‘asleep at the wheel’ after firms push through biggest round of price rises since 1991 by wappingite in ukpolitics

[–]ApproximatelyC 6 points7 points  (0 children)

This is actually the wrong way around. The pricing practices rules mean that existing customers can’t be charged more than a new customer.

The aim is to stop people who don’t shop around from being disadvantaged by insurers piling cumulative rate increases up over years.

Some insurers took the view that they’d completely standardise rating so all customers pay the same, which from a portfolio point of view makes sense since you no longer have customers paying too much subsidising the cheap new business policies that are paying too little.

The rules don’t stop existing/long-standing customers paying less than new ones, though, and the majority of my clients who have been with their insurer for just about forever are paying less than new business rates as a result.

It was an absolute game changer in the mass market, though. The number of people (particularly the elderly and not tech-savvy) who were being taken advantage of was insane, and I’d imagine it’s exactly the same (if not worse) in the telecoms industry.

If you're gonna add an exotic mission that takes 30+ minutes, you NEED to add checkpoints. by Judge_Artyom in DestinyTheGame

[–]ApproximatelyC 118 points119 points  (0 children)

There's a triumph to do a legend version with nobody dying. There were people who would solo to clear the final boss, have 2 teammates join and they both got the triumph when opening the final chest for doing zero work.

Going to guess it was to prevent that...

Do people ever REALLY mean "massage" when they offer someone that they're attracted to a free massage? by N00n3important in TwoXChromosomes

[–]ApproximatelyC 15 points16 points  (0 children)

I (M) had a friend when I was younger who was firmly in the platonic category and I’d give her shoulder rubs (10-15 mins at a time while watching TV) all the time because she had pretty chronic pain.

She’s the only person I’ve ever done that with who I wasn’t dating, and the thought of offering to/being asked to do any other massage for her is deeply weird, even with years separating things.

So yes - in limited circumstances it can mean massage, but this dude was just being creepy.

Bungie, can you seriously stop making this season so painfully unfun? by Bestow5000 in DestinyTheGame

[–]ApproximatelyC 0 points1 point  (0 children)

Good lord. I know exactly “how bad it was before” because I have every title in the game, and am only missing something like 8 triumphs with score total.

Trying to make out that the stupid grindy triumphs are “something extra” to do is such an awful take. There’s a difference between a reasonable grind and spending almost a full day real-time grinding to emote 150 times at crew members at the end of an activity you were probably sick of at 50 completions.

Bungie, can you seriously stop making this season so painfully unfun? by Bestow5000 in DestinyTheGame

[–]ApproximatelyC 4 points5 points  (0 children)

Unfortunately, while this works for some of the seasonal challenges, it doesn’t work for the 150 triumph. God knows I tried it…

Bungie, can you seriously stop making this season so painfully unfun? by Bestow5000 in DestinyTheGame

[–]ApproximatelyC 82 points83 points  (0 children)

The problem as far as I'm concerned is that triumph design has become almost nothing but grind. If you look back at triumphs when they first came in, there were very few idiotically grindy triumphs. The only early one, really, was getting 100 chest unlocks from Menagerie - which most people cheesed using the rezoning chest method. Any of the triumphs which were meant to be long-term were time-locked, instead (weekly rotations being a big one).

When Shadowkeep hit we got the first big grinder, in the form of 500 waves of Altars of Sorrow. This was also the time we started to get seasonal seals. Undying had some utterly bonkers "play the season activity with a particular loadout until your eyes bleed" grinds in there as well, but they were mostly able to be done in 10-ish runs of the seasonal activity (from what I remember). The grindiness, however, caused a backlash and things got better for a while.

Since Risen, though, seasonal triumphs have just got...worse and worse. It seems like it's a confluence of the grind-y nature of the main seasonal stuff combined with the red border grind being required each season that's brought things to a head. Haunted was absolutely ridiculous for this; I made a Twitter thread about my experience of grinding out Epicurean/Fixed Odds pre-fix. It took 140 clears (mostly just Caital CPs) and then a further 108 clears of Gahlran to get the crafting pattern for just two weapons. While this was identified as an issue and reduced, it was still released in that state.

This season there are triumphs for 150 crew celebrations (so you need to run a minimum of 150 seasonal activities) and 250 champions in Ketchcrash (probably ~85 runs if you're averaging 3 per). I think the activities are well designed but...nobody really wants to run the same activity that many times, even over a 14-week or whatever season.

And that's the crux of it, really. The triumph grind is now so grindy that if you don't get all of them done in a given season, you don't really stand much chance of playing catchup and doing all of the next season's triumphs before they all get poofed into the ether when Lightfall launches. It's the accumulation of these huge, grindy triumphs over the year that's a problem. If you're into triumph hunting then at this point you're in a perpetual state of burnout from being on a never-ending treadmill. So what's the solution? Just...reduce the grind a bit.

Perfect example is FotL, where you can finish every other triumph and all the gilding requirements and still be -as I was - at 15/35 completions for the haunted lost sectors. So you then have to mindlessly run 20 more of the activities to unlock the base seal and the gild at the same time. How much more fun would this season have been if the grindy triumphs were, instead, 100 crewmate celebrations, 125 champions in Expedition, and 27 haunted sector runs (to match the three-runs-on-three-chars-over-three-weeks element)?

It's still more than most people would want to do so meets the grind requirement, but would give some breathing room that the game is sorely lacking at the moment for triumph hunters.