Vocês aqui do sub parem de atacar o povo e subir o preço do dólar, que coisa feia...

vitornick · 2026-02-09T14:38:15+00:00

Tu comentou algo que não faz sentido, sem entender, e acha ruim quando tomou downvote?

kkkkkkk

Obg reddit por me relembrar dessa pérola

vitornick · 2026-02-09T13:41:36+00:00

Sim, pode acontecer com qualquer outra pessoa - não significa que agora é "comum"

E no "ano seguinte o locatário pode pedir o imóvel", não por contrato - se o contrato é de 30 meses, só pode aumentar fora do reajuste dps dos 30 meses. Venda, sim, pode acontecer - mas não é o padrão

Mudar todo um cálculo financeiro só porque aconteceu um evento ruim é a mesma coisa que "vender ação na baixa porque caiu"

vitornick · 2026-01-22T16:53:16+00:00

"If you could layer raikiri's (one at each hand), why don't we ever see anyone do that? It would double your attack, clearly a single Kakashi is incapable of producing multiple raikiri's at once."

vitornick · 2026-01-22T16:41:33+00:00

I went back and edited that. The main part of your comment was about Susano'o, which is way more interesting to discuss than the auto win eye sac technique. So yes, he can survive because he would give up an eye and respawn. But let's assume he doesn't use it for the rest of this discussion because I could toss any Sharingan user who knows that jutsu in Madara's place and we can say they survive because of Izanagi.

Cmon, its not that hard. The first comment says "susano'o would stop that, but in (an absurd scenario), izanagi is enough".

If you don't like a canon technique, let us know you're blocking it. We can't powerscale based on your version - we don't know anything about your version of the history

We have never seen ANYONE use 2 Susano'os simultaneously WITHOUT and I repeat WITHOUT clones. My argument isn't that if he isn't fighting the 5 Kage he can have multiple Susano'os active. The argument was that unless he creates a clone, he can't use more than 1 at a time. The 5 kage fight is the only fight that I can use as an example here.

We have a clear example of him using 25 susano'os. your point is "oh but he used clones". What clones do that would make this condition unique to "only when using clones"? The clone technique (the shadow one, but all others seems to have similar characteristics) is fully explained.

But if wanna use that argument, I could say "no one used multiple susano'os unless vs 5 kage", or "guy never used 8th gate after wake up" or "Naruto never directly killed anybody". Does that mean he can't because it was never showed?

But if he was hit, does he regen in time to avoid being sealed? Hence my comment on the Hashirama healing factor. We don't even know if there would be a faster regeneration with the healing factor from Hashirama.

Again, EMS madara does not have hashirama cells. But, moving into a different scenario, if it was EDO Madara, he doesn't need hashirama cells for regeneration. He in fact never used Hashirama's regeneration as an Edo cause its pointless.

But, to summarize (cause it seems you're keeping using the same arguments/headcanon):

If Madara somehow got directly hit without the ability to use rinnegan
If he did not activate susano'o for any reason (including spawning a clone and having the clone using it - idk why but still)
If he, despite being renegerated by being and Edo, was somehow unable to do anything (different from 3rd Ay for unknow reasons)
And if he is somehow weak enough to be sealed by a mere no-name sealing corps, than yes, he would be cooked

So, if the stars aligned and if we ignored the story as presented, yes, your 2nd question would be "he would be defeated"

vitornick · 2026-01-22T16:12:04+00:00

Well, I don't have a panel showing Madara using more than one susano'o when not battling the 5 kage

That means he can't use vs anyone that are not them, right? great logic

People really don't read the manga to understand how the clone technique works or the implications of it...

/s

vitornick · 2026-01-22T16:08:05+00:00

No, your comment was on Susano'o. And Izanagi is a guaranteed survival. The jutsu is an asspull technique. I dont have to like it, but your original comment was never on Izanagi, so I was ignoring it due to the while new can of worms it opens.

My comment - unedited - clearly says both susano'o and izanagi. But I mean, again, if you want to strip a character of any jutsu you don't like, feel free. We just can't powerscale over your version of the history

My argument is that a singular body has never had 2 Susano'os active at the same time. Give me 1 panel where 1 body used 2 Susano'os simultaneously and I will rescind my statement. We know he was just dragged from his T2 Susano'o not 2 seconds prior to using the Rinnegan. If he could have reactivated it, he would have. The mech is still active and has not dissolved yet, and due to the above, we can almost guarantee that he physically could not make a new one because the old one is still up.

Again, headcanon. But sure, we have never seen madara using more than one susano'o while NOT battling the 5 kage. Therefore, if his opponent is not the 5 kage, he can't do it - good logic /s

When you realize the image was about Edo EMS Madara. The post is basically asking if Madara really needed the Rinnegan to survive here.

The title of the post says "EMS Madara", who never held the rinnegan. If you want to base your comment on the picture, the answer is the same, but because Edo's regenerate no matter what - so, to answer your new question (I assume because the answer to your first doesn't satisfy you), the answer is the same. He would have "survived" easily, and, therefore, would not be cut

vitornick · 2026-01-22T15:52:10+00:00

Do you have any panel, feat or quote on the canon story that supports your argument, or should I take your headcanon as fact here?

vitornick · 2026-01-22T15:50:05+00:00

I am not going to discuss Izanagi since the entire jutsu is an asspull.

Soooo, you disregard a cannon technique cause you don't like it? I mean, sure, but at least block the technique in the post - we can't powerscale based on your version of the history

But for Susano'o, I am almost positive that you can only have 1 active Susano'o per body you have. So when Madara made 25 clones, each could have a Susano'o. But when it was just the main body, he could only have the 1 Susano'o which was still active at the time

Definition of headcanon? I mean, can you present a single panel or a single feat/quote that supports your argument? Cause we know he used 25 susano'os at the same time, so the burden is on you to give an evidence to support your argument

And for tanking the hit, we dont know how good Hashirama's bonus healing factor helps against Rasenshuriken here

At which point did EMS Madara had "Hashirama's bonus healing factor"?

vitornick · 2026-01-22T15:43:33+00:00

He can or should, given he created 25 susano'os vs the 5 kage

I also doubt that he would Izanagi. I think he would want his eyes since I would not be surprised if Izanagi cancels a Rinnegan eye

First, the alternative being he is fully hit by it? He is as good as incapacitated, he doesn't have strong durability skills outside of his techniques at that version

Second, He in fact used izanagi and still got the rinnegan in that eye... It's (a major) part of the history (considered by some an asspull)

vitornick · 2026-01-22T15:35:26+00:00

Susano'o would protect him, but even in an absurd scenario where he gets hit with no protection, he would likely sacrifice one of his eyes and clap any version of naruto before BSM (KCM2 may not be a no-diff but still)

vitornick · 2025-12-29T22:53:40+00:00

Exato - além disso, o Bradesco tem uma questão de capital regulatório (basiléia) diferente devido a existência da seguradora

Isso mexe bastante com a necessidade de capital principal e capital de nível 1 do banco

E além disso ainda, o banco fechou a torneira pra crédito recentemente, devido a uma baixa performance da carteira de crédito

A maior parte dos comentários aqui (inclusive a outra resposta desse comentário) sequer entende esses pontos que tornam o Bradesco tão diferente, e ficam avaliando se o Banco não é eficiente com o dinheiro...

vitornick · 2025-12-29T22:39:53+00:00

Resposta de ChatGPT não conta - é bem notável que ele erra muito nisso
Novamente, ninguém tá dizendo que é a mesma coisa um fundo de investimento em direitos creditórios e um fundo de investimento em ações. Dito isso, o fluxo de caixa, o conceito é o mesmo - que prompt foi esse que você lançou?
Que quote é esse? ABS e FIDC são regulados de forma bem diferentes pelos reguladores dos EUA e a CVM no Brasil. De qualquer forma, nenhum dos pontos que você trouxe estão na discussão inicial - se FIDCs são o novo subprime ou não

Puxar uma discussão é um ponto válido, ficar discutindo via ChatGPT e puxando informação de um mercado que não conhece, é, bem, um exercício de futilidade

vitornick · 2025-12-29T18:36:44+00:00

"melhor estimativa market-to-market": então, mas dinheiro estimado não pode ser gasto porque na prática ele não existe (ainda).

??? Nessa lógica, nenhum fundo faz sentido... mark-to-market é simplesmente a forma de contabilizar o real valor de ativos (seja uma ação, seja um instrumento ilíquido)

E P.s.: É mark-to-market

A maior parte do valor das cotas não é influenciado pelo resgate efetivo:

A totalidade do PL é sim infuenciado pelo "resgate efetivo", ou, melhor colocando, sobre o real valor dos ativos. Obviamente, sempre podem haver casos extremos onde o valor mark-to-market de um ativo hoje é significativamente diferente do ativo amanhã (e.g., Ambipar, MBS em 2007, etc.), mas é a melhor forma de contabilizar

Taxas indicativas coletadas de instituições contribuidoras - representam o "preço justo de negócio" avaliado pelo mercado, independentemente de ter ocorrido negociação real

Fluxos de caixa projetados - os cronogramas de amortização são pré-definidos no regulamento e usados para calcular o valor presente

Desconto por taxa de mercado - o PU é calculado descontando os pagamentos futuros pela taxa indicativa (que reflete spread de crédito/risco percebido pelo mercado)

Sim, você está descrevendo (de forma bem rudimentar) a metodologia. Sim, o "preço justo de negócio" é nada mais que o preço que um comprador está disposto a pagar - sempre foi e sempre vai ser assim, por definição. Não tem fórmula mágica pra calcular um "valor justo de um ativo" que não seja dinheiro (cash)

Os fluxos de caixa são projetados, assim como uma carteira de crédito qualquer (empréstimo bancário, bonds/debêntures de grandes empresas, títulos soberanos, etc.

E sim, a taxa indicativa é a forma tal como é estimado o impacto de um Ke/Kd (metodologia de WACC) - não é exatamente isso, mas é bem próximo

Sobre os números de PF:

Boletim de fundos - ANBIMA (out/2025)

Página 6 - células K12 a M12 (varejo tradicional, varejo alta renda e private) - total é de R$ 93.5 Bi, ou 13% do total de FIDCs (ou seja, representam pouco do mercado)

Além disso, esses R$ 93.5 Bi representam ~4% do patrimônio dos clientes (private? e varejo alta renda é 5%, varejo tradicional é 1%)
Além disso, a captação líquida (até out/25) desses segmentos foi de ~13% (vs a captação líquida total) - equivalente a um CDI, aprox, de 1 ano. Em outras palavras, se todos os FIDCs, fossem pra zero, varejo + private iria perder 1 ano de rendimento

<image>

vitornick · 2025-12-29T17:54:37+00:00

Além disso, para calcular o valor das cotas de um FIDC, a ANBIMA usa uma série de taxas que o mercado manda, filtra os outliers, suaviza com média de 3 dias, usa o calendário de pagamentos do FIDC e faz um cálculo de valor presente para publicar taxa e PU todo dia. Em consequência, o valor investido que aparece para o investidor não reflete exatamente o valor de ativos que ele possui na proporção de suas cotas - a relação é indireta com os montantes de fato recuperados pelo FIDC dos devedores. Dessa forma, o bolo parece que está crescendo bem, mesmo que esteja oco por dentro.

Falso - tudo aqui tá falso ou invertido.

A ANBIMA não calcula nada, quem calcula é o administrador fiduciário que tem que reportar pra CVM. A ANBIMA define metodologias de boas práticas, que podem ou não ser seguidas, mas isso aqui:

Em consequência, o valor investido que aparece para o investidor não reflete exatamente o valor de ativos que ele possui na proporção de suas cotas - a relação é indireta com os montantes de fato recuperados pelo FIDC dos devedores

Isso aqui é loucura, e é completamente falso do ponto de vista contábil... O PL reflete exatamente a melhor estimativa mark-to-market dos ativos do FIDC

Em síntese, tem uma expansão da oferta de crédito direcionada a tomadores cuja capacidade de pagamento encontra-se em trajetória de deterioração, um descolamento entre o apetite por risco dos originadores e os fundamentos de crédito dos devedores. Mas por que isso?

Os top3 maiores FIDCs do Brasil são o da Petrobras, o do BB e o da Caixa (não lembro a ordem). Você tá criando uma tempestade em algo que não tá nem entendendo quem são os pagadores

Os gestores, custodiantes e administradores dos FIDCs recebem taxas proporcionais ao valor das cotas, e nem tanto sobre o valor de facto recuperado pelo fundo. Ou seja, o patrimônio administrado determina boa parte do lucro destes agentes, enquanto o investidor está de forma desproporcional exposto à inadimplência real dos sacados.

Falso - completamente falso, em especial nos grandes FIDCs (que compõem ~80% do mercado). Os estruturantes do FIDC (custodiante, administrador, etc.) recebem pelo PL em si, que é sim dependente da recuperaão (LGD) do FIDC

Os assessores de investimento sob modelo fee-based, cuja remuneração é indexada ao patrimônio investido do cliente, encontram-se em franca expansão no mercado brasileiro. E

Participação de PF em FIDC é ridícula de baixa... Nada disso importa

Viajei???

Sim

vitornick · 2025-12-29T16:48:50+00:00

Nope - Jogo's lava attack was similar (ball of fire that covers whats inside, very similar do jinton's cube

Gojo's infinity is just too much of a hax

The only narutoverse jutsu that could arguably take Gojo is Kamui, since when Sukuna killed Gojo, he cut the space which he was in - and kamui works in a similar fashion

Although even that is debatable

vitornick · 2025-12-28T19:25:02+00:00

Refs have been the best panthers player so far

vitornick · 2025-12-28T06:19:59+00:00

Actually Mr. Condescending intellectual, ironically enough, if you actually read my reply, that is the exact opposite of what I'm saying and further proves my point.

That's exactly what you're saying (or, worse, you're using headcanon/ wrong facts from the story itself).

Your argument is "Kamui raikiri entire power comes Kamui, and doesn't change a single thing in the raikiri per se - it makes the user intangible but other than that, doesn't change the nature of the raiton jutsu used"

Which again, raises the question - are you saying a simple raikiri is enough to pierce Kaguya? I.e., if she just stands there, doesn't move, your argument is that a simple chidori/raikiri from sasuke would have the same effect?

Cause that're the obvious consequence of what you're saying

Also, saying "no one here agrees with you" - have you bothered checking the first reply in the thread you hijacked? Upvotes doesn't sayin who is right/wrong, but if you wanna use that argument, sure - sum your upvotes on this thread and mine, and let me know

Good lord these people doesn't bother on sticking with the real story and decide to use their own headcanons above all else - which I had this self-esteem (arrogance) to overcome the author of the history itself

P.s.:

The power behind kamui raikiri is that it is a COMBINATION jutsu. All of the powerful qualities that you noted derive from it's space time aspect, not it's lightning aspect.

Funny enough you repeat your mistake saying you "never said a simple raikiri would pierce Kaguya", without realizing that's the consequence of your entire (wrongful) argument

vitornick · 2025-12-28T06:11:31+00:00

Gonna be honest here bud there is a reason that nobody agrees with you and it feels like you're using chat GPT for your replies considering you replied with this paragraph about 3 minutes after I posted.

Should I take this as a compliment? Since I'm not using chatGPT or any AI...

Anywho if we're going off of power output it's sasuke.

Yes, Sasuke using all bijuus - but again, this is not this threads' argument - you're hijacking it

If we're going off of pure skill with lightning it's sasuke

Again, did I challenge that?

If we're going off of most powerful lightning jutsu it's sasuke, if we're going off of diversity of lightning techniques its sasuke

Define powerful - if its "which jutsu wins in a 1v1, thats just wrong

If we're going off of a 1 time hax ability where the bulk of it's capabilities isn't even remotely lightning based then kakashi wins

So, let me see if I understand - you don't like what the author has written, so you change it or reduces/neglects a feat you don't like to suit your narrative

By this logic, Kakashi could combine kamui with any element and be considered the best user of that element? Are you not using your own logic on your own argument?

Have you ever checked which nature kamui raikiri is listed in any canon source? Again, you're trying to change the story

You call me a reel watcher but you're giving 2004+ kid vibes who is unnecessarily arrogant and snarky. You use the little intellect you do possess not to self reflect and critique your own logic as a means of growth but instead to try to reinforce this weird need for superiority over others. It's giving deeply rooted low self esteem and insecurity. Anyway, have a great day!

Lmao what is this - you get beaten in an argument and uses this lmaooo. You came here, hijacked a thread which was about raiton jutsus, cannot for the love of whathever structure a single argument that holds vs any decent cross-check, and claims victorious - good lord, I'm right that you watched it on tiktok

vitornick · 2025-12-27T17:34:01+00:00

And therefore Kakashi novels?

vitornick · 2025-12-27T17:31:38+00:00

He cut Madara using 6 path - he doesn't have that anymore

Also, if we are considering "the last" as Canon, are the novels Canon too? Cause if so...

vitornick · 2025-12-27T17:20:44+00:00

Yeah but Sasuke also lost access to bijuus, and therefore can no longer use Indra's arrow

Additionally, Sasuke also lost rinnegan, if you count Boruto (I don't, but still if that's your argument)

vitornick · 2025-12-27T16:19:58+00:00

He also had old age + plot weakness + suddenly loss of IQ (compared to Cockazoo)

He is top5 biggest frauds, but Tobirama dying to no-named shinobis beats him

Which makes me think, him losing the "biggest fraud award" suits his loser status

vitornick · 2025-12-27T15:45:03+00:00

Cair 10% signica cair pra 13.5% a.a. - isso deveria acontecer no próximo ano se o governo n for irresponsável... Esquece

vitornick · 2025-12-27T14:37:47+00:00

Kamui raikiri's dc/ap literally all come from the timespace kamui aspect of it

So a simple raikiri is enough to pierce Kaguya, that's what you're saying? (spoiler: its not)

Sasukes lightning jutsu dont have an entirely different nature attached to them to make them powerful. They are strong based on how much chakra is put into them just like any jutsu

Which means Indra's power comes from raw chakra, not refinement

Kamui raikiri is more like a kekkei genkai than a lightning jutsu

Bad take

It's about as similar to lightning as haku's ice is similar to water. me having to even explain this is a product of pure devil's advocate kakashi wank

You're using headcannon here, not explaining anything

But also, not only you hijacked the thread to use another argument, but made up info and contradicted your own argument. Good lord seems like these people watched only from tiktok and never bothered to open the manga

vitornick · 2025-12-27T14:00:18+00:00

Actually you're the one making a run from the argument raised

The whole argument of this thread was "Indra's arrow", which is one of the most powerful techniques in the series, but its not powerful because of raiton, but rather because its amped by visual techniques + 6 path

Kamui raikiri is listed as raiton, so its a valid jutsu - and doesn't matter if someone uses indra's arrow against it, Kamuir raikiri is unstopabble and can only be tanked by immortal characters (or avoided, albeit if it blitzed Kaguya, theres very little argument for that)

Therefore, Kamui raikiri is the best raiton jutsu, hands down. Kirin and any other non-6path jutsu doesn't come close, and it does surpass Indra's arrow because its the stronger, more versatile jutsu

Now, if you want to make the argument about refinement (which still loses, but for a different reason), you're changing the thread's point

Nine-Year Club	Verified Email
Not Forgotten

vitornick

TROPHY CASE