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Douglas McGregor, the creator of these theories, had an interesting biography.

> He chose instead to pursue a psychology degree at what is now Wayne State University in Detroit. After two years, he married, dropped out of college, and worked as a gas station attendant in Buffalo, New York. By 1930 he had risen to the rank of regional gas station manager.

> McGregor decided to resume his studies while also working part-time. He completed a B.A. in 1932 from Wayne State University.

> Soon after graduation, he entered Harvard University where he studied for three years, earning an M.A. and Ph.D. in psychology.

> To Doug's point the junk tokens are likely at book value on their balance sheet

The linked article in turn links to coin desk which writes

>> Also, token values may be low. In a footnote, Alameda says “locked tokens conservatively treated at 50% of fair value marked to FTX/USD order book.”

That suggests to me the unlocked coins are on the balance sheet at market value and the locked at a 50% haircut.

Why not?

Strong parallels between your definition with “isolation” and that offered by freemint in terms of decomposition into elements.

The nuance makes sense on its face. Although I don’t trust my own judgement of what impacts the real economy and what is just shuffling of decomposed elements of risk and reward.

Super interesting and over my head but to oversimplif: automation and old financial “tools” (mortgages, index funds) good but (excessively?) “innovative financial instruments” is a bridge too far.

Still hard for people not deep in it — me — to see clearly that crypto doesn’t contain the seeds of a better index fund or a cheaper mortgage.

Can you provide a decision rule that distinguishes financial services from financial engineering?

I do not feel as confident as you seem that the group of things called “crypto” will not be useful for financial services.

I cited three examples of financial engineering. Just to be clear you oppose mortgages, index funds, and ATM machines?

I agree all of these or at least mortgages and index funds probably increase inequality especially given uneven access. As far as tangible goods — home ownership, retirement savings, and less time spent waiting at the bank.

Why would programmable money be useful for anything beyond financial engineering. It’s literally engineering + finance.

Why is financial engineering inherently universally without qualification bad? I have a mortgage, an index fund, and an ATM card. I :heart: financial engineering.

Very clearly explained recent history. Thank you.

> Then in December, the megacaps we're squeezed further until the S&P 500 had a negative return relative to price!

What does this mean? What is negative return relative to price?

> The key metric along this line is how often each language allows success to some level and how often they fail

How does python score on these key metrics?

As clarification, you are objecting to the phrase “process voice to [serve] ads” in the title which was provided by the submitter not the paper authors?

What part of the paper gives you the impression they imply voice assistants are listening to everything? I don’t get that.

The discussion in the paper is nuanced on that point and does not make that claim as far as I read it. Section 2.2 (page 2):

> The content of users’ speech can reveal sensitive information (e.g., private conversations) and the voice signals can be processed to infer potentially sensitive information about the user (e.g., age, gender, health [82]). Amazon aims to limit some of these privacy issues through its platform design choices [4]. Specifically, to avoid snooping on sensitive conversations, *voice input is only recorded when a user utters the wake word*, e.g., Alexa. Further, only processed transcriptions of voice input (not the audio data) is shared with third party skills, instead of the raw audio [32]. However, despite these design choices, prior research has also shown that smart speakers often misactivate and unintentionally record con- versations [59]. In fact, there have been several real-world instances where smart speakers recorded user conversations, without users ever uttering the wake word [63].

A lot of wisdom here. Allow me to just restate and expand on some of your thoughts.

1. If it goes from experimental to ship, you aren’t going to go back and make it shipshape.

2. Sanding time is meditation on the product. As I rework, I’m revisiting the code and design at multiple levels.

3. Before 10am is the old programmers 2am. It’s quiet. The hustle and interruptions of the day haven’t begun.