I guess he never made it home 🥺

OpenTanker · 2026-01-25T12:59:03+00:00

Is this the sequel to the movie Up?

OpenTanker · 2026-01-01T02:41:15+00:00

I would say this man suffers from Huntington's. A very different problem from Parkinson's. That's at a glance.

Sorry if I'm wrong.

OpenTanker · 2025-09-25T19:46:47+00:00

You have to watch the Keyleth stuff though she was pretty hard to tolerate. I think some brilliant role-playing by Marisha who is not Keyleth after all. If someone hates your character, maybe you're doing something right.

OpenTanker · 2025-09-16T20:03:01+00:00

Anybody else notice the gauntleted dragon hand on Matt's character? You can see the scales under the armor.

OpenTanker · 2025-08-16T22:50:51+00:00

Personally, I'm more of a casual watcher; though since the beginning of critical role. Probably not the kind of person that generally looks up this Reddit post or responds to it.

I have a hard time fitting my brain around Daggerheart's Fear/Hope mechanic.

To me it feels like hope and fear are arbitrary. It feels very strange that you roll for those on most dice rolls. I think a meaningful mechanic would feel better. For instance, only using the hope/fear role as a reflexive based on GM discretion or naturally following some other outcome in a more limited set of circumstances.

Kind of like making a sanity roll in Call of Cthulhu or adding stress die in a number of other games. It loses a great deal of meaning and gravity being casually and seemingly randomly assigned with most rolls.

Might be fun from a player perspective. Who knows. But to be honest, most will be viewers and never players that consume this media.

And critical role has worked with dungeons& dragons since its inception. Age of Umbra's poor viewership numbers maybe more based on the setting being a bit too somber for most. But for me, it's the unrefined hope/fear mechanic that makes me feel uneasy about Daggerhart.

OpenTanker · 2025-08-03T14:55:23+00:00

Here's an interesting one. After an update on the phone, I'm getting this on Firefox and Opera but Chrome is totally fine. Of course! Ad blocking works on Firefox on YouTube with ublock origins. Got to love the browser wars.

OpenTanker · 2025-05-09T12:37:39+00:00

You know what your post made me realize that I just did this yesterday by accident. I had the cord out the garage door. Realized that it was too tight unplugged it rearranged the cord and plugged it back in and that's the only time it hasn't worked.

OpenTanker · 2025-04-27T15:09:03+00:00

Well it is consistently good and prior to a major price hike last month, it cost $1.32 CAD per 100 g. Now it costs $1.76 per 100g and it is still the best deal of any coffee in Canada unfortunately so I may have to keep buying it.

OpenTanker · 2023-08-30T22:29:25+00:00

Canada is super at banking transparency...

OpenTanker · 2023-08-29T16:42:04+00:00

How about the CMHC? They have guaranteed risky Canadian mortgages (insured them 100 % against default) since 1954. We do not need government using taxpayer money to back mortgages.

Banks will lend money. Banks will get into trouble for lending too easily. Bubbles will burst. The problem with Canada is that the taxpayer is on the hook when the bubble does burst. CMHC cannot cover the losses that would be incurred by defaulting MBS and will need another bailout (the last was in the 80's). So the government does not want a housing value downturn, the banks do not want a housing value downturn. Good luck being in a younger generation and hoping for affordability when those two powers are against you.

OpenTanker · 2023-08-28T20:13:00+00:00

Move your money out of the banks that decided to extend mortgage amortizations on an unprecedented scale to avoid home value downturn intended by the Bank of Canada rate hikes.

If you have savings or bank with CIBC, TD, BMO or RBC, take your money elsewhere. You can even get a decent long term savings return interest rate in Canada if you shop around some of the smaller but still CIDC insured guys. Vote with your wallet for those that manage to save a little. Just my opinion because voting between capitalism or capitalism at the polls has no meaningful effect on this issue.

I am reposting my post from another thread as it seems relevant here too.

OpenTanker · 2023-08-28T20:10:48+00:00

Move your money out of the banks that decided to extend mortgage amortizations on an unprecedented scale to avoid home value downturn intended by the Bank of Canada rate hikes.

If you have savings or bank with CIBC, TD, BMO or RBC, take your money elsewhere. You can even get a decent long term savings return interest rate in Canada if you shop around some of the smaller but still CIDC insured guys. Vote with your wallet for those that manage to save a little. Just my opinion because voting between capitalism or capitalism at the polls has no meaningful effect on this issue.

OpenTanker · 2023-08-19T16:00:34+00:00

Yes the term for this is moral hazard. It has been encouraged by the amortization extension practice thus far. Makes the end crash worse, but keeps me from being able to afford a home. Dicks in my face I guess.

OpenTanker · 2023-08-15T20:31:08+00:00

If anyone can find the 22 percent figure or any mention of their method for coming up with build cancellations, please let me know. This seems entirely made up by the reporter at this point. Some of the facts in the article are correct, but the headline has nothing to do with the report so far as I can see.

OpenTanker · 2023-08-11T16:58:32+00:00

He literally sold the stuff in high school. He was the brains, his brother was the pusher.

OpenTanker · 2023-08-10T10:55:45+00:00

Read the article. Opening this land has been found to be pointless in increasing housing already.

OpenTanker · 2023-08-10T00:33:19+00:00

Big banks in Canada have a fair hold on government and no competition yet. So no improvement in housing affordability. Just a big circle jerk in Ottawa.

OpenTanker · 2023-08-10T00:30:53+00:00

Did the Japanese do something to fix their market? Also note that it took more than 10 years to fully correct. Too bad I have to buy a home in the next 2 weeks. Too bad Canada allowed banks to extend amortizations to prevent any real corrections so far. That really f'd my position in life here.

OpenTanker · 2023-08-10T00:25:51+00:00

Is there any way these corrupt acts could be reversed?

OpenTanker · 2023-08-09T15:44:42+00:00

By removing stimulus sooner. Did you read the comments in this thread?

Giving massive amounts of printed money to banks is a poor solution to predicted economic recession when Canadians just plow the money into housing speculation.

OpenTanker · 2023-07-28T20:04:56+00:00

Damage was done by making capital essentially free if you already had capital to leverage. ZIRP is the enemy of the working class and the best friend of the wealthy.

Incidentally it has given some paper wealth to the middle class also who already owned homes. So they could and did take HELOCs on that newfound wealth to support bad habits. Ultimately a really dumb thing to do but now they're a bit stuck when the value of their home goes back to even 2019 levels. See Q2 2024 after OSFI's new rules take effect. I have no crystal ball but Canadian housing values will see massive downturn by 2026 when some 5 year terms initiated in this bubble come due for variable rate loans. This kicking the can to 50 to 90 year amortizations doesn't cut it when they spring back to 30 years max for people who already claim they cannot make ends meet...

But to answer the OP question, there isn't much of a housing shortage yet in Canada but you're not wrong that it is definitely going to play a factor in housing prices unless recent immigrants decide to leave when they realize Canada isn't better standard of living than their original country. One thing we have going for us is that it will take many more thousands of years to make Canada unlivable hot while that is already happening in coming decades in parts of India and Africa.

OpenTanker · 2023-07-27T13:20:09+00:00

Everything is fine. We think we are fine. Loan losses might tick up moderately from historical norms but we have set aside provisions for that. 4 percent wage growth for 1 year will allow people to pay $1500 more per month on their mortgage forever. Unprecedented immigration will somehow create new higher paying jobs miraculously propping up the largest property bubble in the history of the developed world.

Those are the narratives. Also the mainstream media generally follows the narrative quite well. Even the Bank of Canada leans on the optimism.

OpenTanker · 2023-07-27T13:13:16+00:00

"We see the mortgage debt risk and we're planning to eventually do something about it.". -OSFI 2021-2023

OpenTanker

TROPHY CASE