HN user
* lots of redundant prose
* vaguely incoherent temporal claims
* outdated coverage of Southwest
* formatting usage of bullet lists and random bolding smells a lot like an O3 "deep research" report
* unnamed author
They should AirBnB these units out. this guy creates a whole new revenue stream for Caltrain. This story is pretty crazy, this guy built not one but two secret livable apartments with bathrooms and kitchens inside daily, actively used train stations?
there seems to be an error in the headline – Cali is a city in Colombia, but the article is about California?
The Lufthansa pilot was like the guy who drives the Google bus in the carpool lane at the speed limit, slower than the cars in the other lanes.
It is a very American problem
This is laughable, as North America has the lowest chargeback rate of all the global regions. This is just biased and ignorant anecdata.
It is only a problem in a society with a high level of crime and little or no consequences.
If you're going to make nasty anti-American claims, you should at least back it up with real data. The facts are that chargebacks are a bigger source of fraud loss outside of North America than inside it.
Even if people did do so they would be punished quickly.
This is not how credit card fraud works.
According to Merchant Risk Council survey data[1], in 2021, friendly fraud in Europe was 1.3% (of transactions), 1.6% in Latin America, and 1.5% in APAC. In North America it was only 1.0%. So, it's actually a smaller problem in the US than in Europe and other global markets.
Further, "Annual Ecommerce Revenue Spent to Manage Payment Fraud" was 9% in Europe, 12% in Latin America, and 15% in APAC. It was only 5% in North America.
[1] https://merchantriskcouncil.org/resource-center/surveys/2021...
This is exactly correct, and the parent's suggestion that the risk of chargebacks is something like 0.001% is WAAAAY off. Like, by orders of magnitude off. Any business that processes credit card transactions at scale, card present or card not present, is going to have a whole department of people who all they do all day long is deal with chargebacks.
It does seem like there are some people here who think they know how credit cards work but actually have no idea.
The actual risk of a merchant not receiving money for a credit card transaction is quite high. Chargebacks are enough of a business problem that many large retailers have whole teams only devoted to processing and disputing them. There are entire companies that create products and services to help merchants reduce just "friendly fraud" chargebacks—that is, chargebacks where the cardholder says the purchase wasn't authorized but they are just lying or it was a family member who made the purchase. That there are entire industries devoted to helping reduce it shows that the risk of chargebacks is definitely something that merchants take into account in how they run their businesses.
In case of a stolen credit card, it's 100% the merchant who pays (that's why they're called charge-"backs"). The only exceptions are if the transactions are indemnified by a third party partner.
All the card brands have multiple chargeback codes for fraudulent transactions, even card-present ones, so the fact that the credit card was physically present is not some kind of guarantee that the merchant would win a chargeback representment.
Virtually every language that uses the Latin alphabet follows some version of this plan for spelling vowels, not just Germanic ones. There is a reason the International Phonetic Alphabet uses the 5 basic vowel symbols /a/, /e/, /i/, /o/, /u/ this way.
Pretty much all of them. http://phonetic-blog.blogspot.com/2010/11/vowel-inventories.... says that the average number of vowels in a language is just below 6, and "large" vowel inventories are of size 7-14.
Well, except for the 14 diphthongs and the fact that /e/ and /o/ are more like /ɛ/ and /ɔ/ in certain closed syllables. https://en.wikipedia.org/wiki/Spanish_phonology#Vowels
It is unclear which definition of "San Francisco" they are using. Is it just the city of San Francisco, the San Francisco-Oakland-Hayward, CA Metropolitan Statistical Area, or the San Jose–San Francisco–Oakland, CA Combined Statistical Area? I would guess that since San Jose is not listed separately, they are using the CSA, which includes a lot of outlying areas.
I call BS on the "don"/"dawn" isogloss on the SF peninsula. If it ever did exist, it certainly doesn't anymore. There are no cultural or social groupings along that isoglass that would justify how that line is shaped. Where your parents are from and your socioeconomic status to have way more influence on whether or not you have a "don"/"dawn" distinction than whether you are from San Mateo or San Carlos.
There is literally nothing in this list that is in Silicon Valley.
There is such a thing as linguistic prescription, but there isn't really such a thing as "prescriptive linguistics". There are linguists, who study and describe language, and then there are people who promulgate their opinions about language. Opinion promulgators are not "prescriptive linguists" and what they practice is not "prescriptive linguistics".
Can't wait for version 1.2.3!
... so 'macrology' means "use of macros" rather than "long and tedious talk without much substance"? Is this usage specific to Clojure, or to all languages that have macros? It seems like a pretty bizarre repurposing of a word that already has a very different meaning, and I wonder how widespread it is. Are we too late to stop it?
"these transformers were never exposed a la carte, instead being encapsulated by the macrology of reducers."
What does 'macrology' mean in this context? Is this a common usage? Or a novel application of a word that ordinarily means "long and tedious talk without much substance"