Hruss

FICO scores, by far the most popular credit score system, seem to be set up in a strange way. Their purpose is to measure the quality of a loan application, and yet their methodology seems quite suboptimal to do that. From Patrick Mackenzie (Bits About Money): > FICO scores are...

I hear often that it is more effective to spend money in the for-profit market than go to some particularly ineffective non-profits. After some searching, there doesn't seem to be any known reference value for this, despite how much I hear it. Particularly, I am asking about the counterfactual value...

While I was writing this, I wrote a mild criticism of a frequent commenter on r/georgism. The users were extremely defensive, and acted like anyone who promotes georgism is invincible to criticism. Afterwards, I posted a mild criticism of the effects of georgism on mining, and users reacted similarly. At...

One of the best and easiest ways to influence a corporation is to own it. Google offers both $GOOG, class C non-voting, and $GOOGL, class A voting. If you especially don’t care about other issues, a small portion of the voting owner base caring about advanced AI issues can strongly...

AI labs are universally terrible at naming things. For example, OpenAI has three different Codex services that do entirely different things. Anthropic has two Max plans. The current best and worst models on ChatGPT are 4o-mini and o4-mini. Xai is named Xai. On the other hand, journalists are great at...

On a theoretical road, the number of cars traveling is proportional to the speed of each car, so that the total number of motorists is constant regardless of speeds. Assuming all cars are traveling at a speed that gives 3 seconds of time between cars, any change to speed limit...

A common idea held by people debating AI art is that the growing amount of AI-generated images present in training data will cause AI diffusion models, like midjourney or stable diffusion, to produce bad results as existing flaws get amplified. However, I believe the opposite will occur, as there is...