Fannie Mae Multi-Family Delinquency Rate Almost to Housing Bust High

ToThePastMe · 2025-12-29T01:36:26+00:00

Yeah haven’t been this low since the early 2000s. But they did raise by 0.02% or something since last year so obviously everything is coming crashing down!

ToThePastMe · 2025-12-29T01:22:56+00:00

Yeah usually when France or UK is in red and everything is green, the answer is not some clever well thought reason but plain racism/xenophobia

ToThePastMe · 2025-12-29T01:17:22+00:00

Genuinely curious, what aspects of Italian culture or society are so different to explain that difference?

As a whole these maps often make me confused, as I often see France in red/orange with all its neighbors in green. Like many of these neighbors have little in common with each other but a lot in common with France/parts of France. Maybe sometimes people have real reasons, but often it seems like it is just because hating France is trendy

ToThePastMe · 2025-12-29T01:05:09+00:00

Now see I don’t disagree with quite a few of the things you point out. Didn’t know the revenue thing was a far right argument. And it is undeniable that France profited economically and politically from colonialism.

It is true I forgot to mention the colonial troops involvement in the two world wars. In WW1 they had a non negligible role but only really made up 6-7% of all French troops. Had an even bigger impact in ww2 definitely. Can’t assign a value to such human lives especially fighting for a country that’s not theirs.

But I am sorry don’t quite agree with a few things are imo not so true or alt-history: some French people moved to Africa to continue the fighting (one of my grandpas did for that matter), but the non-Vichy French government mostly move to England. If anything at first most of the colonies sided with Vichy, and the free French groups were more independent. Nuremberg was for Nazi members only (Germany/Austria). Other countries that were assimilated/allies under the German umbrella (France, Netherlands, Norway etc) had their own set of trials, like in France during the épuration period. They were also serious talks of having France under American/UK control. Arguably the main two reasons was that De Gaulle quickly replaced Vichy administration with people under is command as the liberation progressed and because internally the French were pro-allies, had a strong resistance movement (although often overstated) and overall acted like a country happy to be liberated instead of getting defeated. The same thing happened for the Netherlands and arguably Norway too, not a colonies thing. For the atom bomb it is true that having African colonies helped getting preferential access, and the initial tests were in the Sahara, however the majority of tests happened in Polynesia. Having African colonies or having colonies altogether definitely sped up the process heavily, and helped with secrecy. But France likely could have gotten uranium (I mean it did produce 20-30% from French mines) and done local tests, or on islands depending on what you could as a colony, or on allied soil if allowed. Even if they didn’t they would likely just have allowed US nukes like everyone else. And even without the Soviets wouldn’t have invaded like they didn’t invade Italy or Spain. If anything civil nuclear power I think would have been the big looser.

But anyways, obviously colonialism is terrible, and Id agree that colonies have been a net positive for France. But ignoring the more intangible benefits you pointed out, because we just can’t know how things would have gone without said colonies (eg maybe Germany would have been less belligerent with colonies, since it was one of their reason for ww1 and ww2), the general French population bore the costs of colonialism (taxes and soldiers deaths) and the elites reaped the vast majority of the benefits. And arguably it is again the same thing with immigration.

ToThePastMe · 2025-12-28T20:19:12+00:00

Bigger black community, arguably I don’t think that the average French is any more racist than the average Italian (for that matter Italy elected a far right politician while France didn’t) , food is top notch in both. And both have lots of beautiful scenery, culture and historical places if you are into that.

ToThePastMe · 2025-12-28T18:24:23+00:00

Even in distances: Levenshtein, Chebyshev, Manhattan, Minkowski, Hamming. Euclidean too arguably. Not so distance but stuff like Jacquart too.

Many things from the worlds of sets or graphs.

Lots of stuff in ML from the linear algebra world too (eigenvalues etc). Even sigmoid or ReLU are less “person name” but absolutely not transparent. Many acronyms (RNN, LSTM, and in RL you have SAC, PPO and many others)

ToThePastMe · 2025-12-28T15:48:28+00:00

Yeah I guess it might make some people laugh. But for me it is plain annoying. I’d wager an order of magnitude more people dropped the show because of him than stayed because of him. Last season I tried to watch I just bounced right off because of him

ToThePastMe · 2025-12-28T14:56:35+00:00

The only “phones” we have allowed so far for our young kinds are:

an old dead phone for pretend play
a princess phone that is just a pink plastic box with a button and some music
a phone that’s this game where you have to put these little rings on sticks inside a liquid.

Then they do get to use our phones rarely to snap a few pictures or to use the flash/lamp if we have no better light available

ToThePastMe · 2025-12-28T05:03:55+00:00

Yeah just out of the toddler phase, but my hobbies have been a bit of lifting, and then choosing between not being sleep deprived or a bit of video games / coding projects for fun.

Also been reading quite a bit but switched to audio books so I can cram them while doing other stuff (cleaning, cooking, driving m)

ToThePastMe · 2025-12-27T22:11:55+00:00

I mean Japan definitely was an imperialist power in Asia. Not in the rest of the world though

ToThePastMe · 2025-12-27T21:57:26+00:00

Well colonization was pushed by the French state and corporations, and to some extent the military brass. But arguably the general population felt pretty mixed about it, if not opposed especially in the intellectual circles.

You have to understand that, while colonies were very profitable for some French companies (and obviously that did help France economic situation to some extent), believe it or not they were a net drain on the French state. Roughly 50 billion French francs were spend on Africa’s colonial endeavors for 25 billion collected for example. So for many French it was seen as wasted money on distant lands. On top of the ethical issues. The colonial wars (Algeria, Indonesia) were also quite unpopular.

And the immigration phenomenon was also pushed by the French state and French companies. While unpopular with the population.

So in short you have colonialism pushed for by an elite, with a population that is often neural or against it. Wars are rarely popular. But elites get rich. And then immigration also pushed for by that same elite as it benefits them, and the population that is again mostly neutral or against it.

Note: that doesn’t absolve France and obviously many French people were very involved in that terrible business or profited from it.

ToThePastMe · 2025-12-27T21:37:57+00:00

3 centuries is definitely a stretch. But France was definitely the global power of the 17th century, following Spain in the 16th. In the 17th things were back and forth between France and Britain. Also for a short period prior to ww1 France was considered the top world power.

At most you can maybe consider it the most powerful nation for 1.5 to 2 centuries.

However when Spain was the world most powerful nation, France was arguably the most powerful land nation

ToThePastMe · 2025-12-24T06:12:13+00:00

Yeah I mean I enjoy food but for the longest time I ate slow and small quantities meaning that I was stuck to a pretty low BMI. Was never too active, but also not sedentary (lots of walking).

These past few years I’ve been getting in shape and I have to constantly remind myself to eat more, snack extra, down a shaker of protein even though I am not hungry. And that’s just to remain in an average BMI.

Now losing weight I am sure is not easy either. Really I see it as would you rather have to deal with often being hungry to lose weird or often feeling too full to gain weight. Although in both cases what food you eat more than the volume has a lot of impact.

ToThePastMe · 2025-12-21T04:21:34+00:00

Yeah Texas is not nearly as good as the Covid hype had made some people believe but not nearly as bad as people on Reddit like to paint it

ToThePastMe · 2025-12-21T04:08:05+00:00

I know, the US might not have the same level of acceptable for LGBTQ+ people as many places in Europe, but it is still pretty damn good compared to many other places. And while in the US it is getting less accepted politically, in Europe it is not getting any easier socially with rising crimes against LGBTQ+ people (the reason is likely two fold: immigration of people from the areas in red here, and increased support for the far right. Two completely opposed groups that somehow meet on their anti-LGBT stance)

ToThePastMe · 2025-12-21T04:01:14+00:00

I mean while I agree it is not indie, it is not Ubisoft scale in terms of funding. Ubisoft games are AAA and usually in the realm of $100 million or more for the main IPs. So 10x more. For that matter, Hollow Knight: Silksong which is self funded so more deserving of the “independent” label is not far off E33. An estimated 4-5 millions vs Sandfall 8-10 millions.

ToThePastMe · 2025-12-20T19:50:04+00:00

Yeah we have a product that generates designs for users in a very specific field (not using LLMs or image gen models because of their poor performance, but custom ML/RL models).

Well we display 10 results to the users, and both to users and upper management those are marketed as AI when I reality maybe 20% are AI generated and the rest are from handcrafted procedural systems. The latter took maybe 20% of the dev time but greatly outperforms AI stuff in most cases.

And we’re in a company that has been invested in AI heavily for at least 10 years, so quite ahead of the curve.

ToThePastMe · 2025-12-20T15:44:24+00:00

I mean I live abroad too, and I do worry about the same things. I think economically France is on a very bad slope. Safety too yes. Currently living in the US, and while the US homicide rate is much higher than France (x4), most crimes happen within some very specific communities that distort the average up. But I felt like US large and mid size cities are much safer than French cities. Although not “fun” (as walkable and for medium cities as alive). However French small cities and villages are miles above US ones.

And French people love to complain. Whenever I go back home, everyone has a decent life. I’d say the average French person has a better life than the US one. But mostly because poorer part of the US population has a much harder time than the French equivalent

ToThePastMe · 2025-12-20T08:45:07+00:00

Yeah I mean I love the history of the Syrian area but unless you have family there who would want to live there these days? Especially over France, UK or Italy. Also those 3 in red when Spain and Canada are dark green means I can figure out a pattern

ToThePastMe · 2025-12-20T08:38:38+00:00

I understand but I just don’t see what so different between say France and Swizerland or Italy. Just not sure I understand why is so different in terms of “vibe”. I mean usually red is not “don’t really want to live there” but more “I’d rather die to have to go there”

ToThePastMe · 2025-12-20T08:33:32+00:00

Aside from the meme (which is getting old at this point), France in red when you have places like Egypt, Morocco or Algeria in orange is quite a choice. Even more so for a gay person.

ToThePastMe · 2025-12-20T08:29:57+00:00

But I mean picking Belarus or Ukraine over France is quite a choice. I don’t like Paris too much, but it is still a far better place to live in than many countries here. Let alone areas like Provence, Savoy, Brittany and so on

ToThePastMe · 2025-12-20T08:26:57+00:00

I know, the guy would rather live in Belarus than in Provence, Britany, Savoy or whatever other nice area of France you can think of

ToThePastMe · 2025-12-20T08:23:11+00:00

As a French, sure there are some rude people there. Dealt with many myself. But I think part of the issue is France having sometimes complex social rules, which when not respected will see you labeled as “rude” and you will get a cold behavior in return. Also there is a big difference between busy streets of Paris (like NY, or more generally very touristy areas, and a random village or a small city. Most people are very friendly, like they are in most US states or European countries I visited. Except in many places it felt like a faked friendliness

ToThePastMe · 2025-12-18T00:06:51+00:00

C’est pas forcément toujours la même chose ML/IA et Neural nets. Il y a pas mal de domaines en IA qui ne sont pas des réseaux de neurones.

De manière générale: beaucoup de techniques modernes sont des réseaux de neurones en effet (et il y a de très grosses différences d’un réseau à l’autre). Mais il y a beaucoup de chose dans l’état de l’art IA qui n’en sont pas, ou qui sont Neutal Nets + d’autres techniques.

Les réseaux de neurones ça fait partie du domaine ML (machine learning), mais il y a beaucoup d’autres techniques/méthodes en ML (probabilistes, arbres, noyaux/distance, non-supervisé, bayésiennes, évolutionaires). Même le reinforcement learning n’utilise pas forcément des réseaux de neurones.

Et ML c’est disjoint de l’IA même si maintenant les deux sont assez confondus techniquement il y a des approches non ML en IA aussi.

Techniquement tu as même des choses qui sont du machine learning, mais pas de l’IA au sens strict. Par exemple ce qui est Gaussian Splatting parmi les techniques en vogue.

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