#Fair Banking Act

[invisibleicewands]

Michael Sheen’s extraordinary gesture as he pays off debts of hundreds of people

He plays an angel on screen and he has proven he is an angel in real life by undertaking an extraordinary gesture. In an unprecedented move the actor has used his own money to write off personal debts of hundreds of people in South Wales

It’s been confirmed that Michael, who famously plays angel Aziraphale in Good Omens, has brought light and relief to many families struggling with debt with this wonderful act of benevolence.

The move was not publicly announced by the Port Talbot star, but was uncovered by fans who spotted posts on Facebook in local community groups from a television production company called Full Fat TV.

The posts read: ‘Actor Michael Sheen has been campaigning for a fairer credit system for years and in an extraordinary gesture, he has used his own money to write off personal debts for hundreds of people in South Wales. If you have received a letter from a company called Ten Acquisitions the good news is that Michael has paid off some of your debt and he’d love to hear from you. The details of how to get in touch with him are in the letter.’

Intrigued by the posts which appealed to those who had received letters from a company called Ten Acquisitions confirming that Michael had paid off debts, one fan took to X to ask him directly if the posts were true.

Fans wondered if it was somebody using his name as a scam, but the actor in replies on his X account confirmed the posts were neither clickbait nor a scam.

He wrote: ‘It’s not clickbait. I want to clarify, because we want people to get in touch.’

The campaigning Welshman, a long time advocate for a fairer credit system, has teamed up with the production company to film a documentary about the plight of those struggling due to unfair financing.

On Monday, Michael appeared in Parliament where he joined calls for a fair banking act to tackle the credit crisis affecting people and businesses.

In 2022-2023, more than 9 million were declined for credit, with millions relying on pay-day-lenders and buy-now-pay-later schemes with high interest rates. At its worst, lack of access to affordable credit means hundreds of thousands of people find themselves turning to loan sharks, while viable businesses remain stuck, unable to develop and create jobs. Campaigners are calling for a Fair Banking Act to help ensure that everyone can access essential financial services and support.

Speaking at the event in Parliament on Monday, Michael said: “Anyone can find themselves in a place where they need credit to make ends meet or to get through a difficult time. The lack of affordable credit for people on lower incomes is harming individuals and families, but also businesses and communities. Whole regions are seeing their growth held back. We can’t keep waiting and hoping that things will get better. We need something to change now. The Fair Banking Act could be the thing which really makes the difference”.

"We can’t keep waiting and hoping that things will get better. We need something to change now."@michaelsheen has joined calls for a #FairBankingAct to tackle credit crisis affecting people and businesses.

[coochiequeens]

Good news for women!

By Cecilia Macaulay

BBC News

Sierra Leone has passed what has been described as a "ground-breaking" law to improve women's rights.

President Julius Maada Bio made an apology to women for their poor treatment in the past: "For so long we haven't been fair to you," he said.

The law states that 30% of public and private jobs must be reserved for women.

The Minister of Gender and Children's Affairs says women have been "crying" out "for years" for this change.

"It means a lot to women in Sierra Leone," Manty Tarawalli told the BBC's Newsday radio programme, adding that no other sub-Saharan African country had passed such a law.

The law lets girls who are still at school know "there are opportunities for them in Sierra Leone for employment for business" and for them to contribute to the economy, Ms Tarawalli said.

Under the new Gender Equality and Women's Empowerment Act (GEWE), women also benefit from ringfenced senior positions in the workplace, at least 14-weeks of maternity leave, equal access to bank credit and training opportunities.

There are harsh repercussions for employers who do not stick to the new gender ratios, including hefty fines of £2,000 ($2,500), and even potential prison time for institutions like banks that do not give women fair access to financial support. It is thought this will make it easier for women to start their own businesses.

The government says the employment law will apply to any business with more than 25 employees, but a final decision has not yet been made.

Ms Tarawalli said the move was "important" but that "more steps will have to be taken before the country can say fairness has been achieved across the genders".

Discrimination against women in the workplace is a "big issue," according to the minister, and the new law will "change the status quo," she said.

For Sierra Leone to become a middle-income country it must engage the 52% of the population who are women in the economy, Ms Tarawalli added.

Prior to the law, the United Nations sexual and reproductive health agency (UNFPA) said that "progress has been made in expanding opportunities for women and girls" but warned that "gender inequality and denial of women's rights are still prevalent at all levels in Sierra Leonean society".

As for gender equality in the continent as a whole, UN Women also says thatprogress has been made, but "the majority of women work in insecure, poorly paid jobs, with few opportunities for advancement".

[juniestar]

I hate that millennials took anyone who looked a little funny and acted awkward and turned them into megastars bc now fifteen years down the line these actors are still super famous with no range or value outside of the “look, there’s kate micucci/charlyne yi/zooey deschanel!” cameo

[squeakygeeky]

I’m baffled that Big Dragon was actually good. How did this happen? And they pulled the last episode separation trope and I was still fine because it wasn’t a breakup, it was just temporary for practical reasons that made sense.

[kyofsonder]

Here's a screenshot of the Wikipedia page about this ongoing strike, to help clarify dates for anyone not displaying post dates on their dash or having glitches with the post dates shown (glitches happen to me fairly often, which is why I looked it up). This screenshot was taken on August 23rd, 2024.

After a year and a half of contract negotiations, Video game performers are on strike.

You can find out if a game is struck here

[liberaljane]

Women's Not So Distant History

This #WomensHistoryMonth, let's not forget how many of our rights were only won in recent decades, and weren’t acquired by asking nicely and waiting. We need to fight for our rights. Here's are a few examples:

📍 Before 1974's Fair Credit Opportunity Act made it illegal for financial institutions to discriminate against applicants' gender, banks could refuse women a credit card. Women won the right to open a bank account in the 1960s, but many banks still refused without a husband’s signature. This allowed men to continue to have control over women’s bank accounts. Unmarried women were often refused service by financial institutions entirely.

📍 Before 1977, sexual harassment was not considered a legal offense. That changed when a woman brought her boss to court after she refused his sexual advances and was fired. The court stated that her termination violated the 1974 Civil Rights Act, which made employment discrimination illegal.⚖️

📍 In 1969, California became the first state to pass legislation to allow no-fault divorce. Before then, divorce could only be obtained if a woman could prove that her husband had committed serious faults such as adultery. 💍By 1977, nine states had adopted no-fault divorce laws, and by late 1983, every state had but two. The last, New York, adopted a law in 2010.

📍In 1967, Kathrine Switzer, entered the Boston Marathon under the name "K.V. Switzer." At the time, the Amateur Athletics Union didn't allow women. Once discovered, staff tried to remove Switzer from the race, but she finished. AAU did not formally accept women until fall 1971.

📍 In 1972, Lillian Garland, a receptionist at a California bank, went on unpaid leave to have a baby and when she returned, her position was filled. Her lawsuit led to 1978's Pregnancy Discrimination Act, which found that discriminating against pregnant people is unlawful

📍 It wasn’t until 2016 that gay marriage was legal in all 50 states. Previously, laws varied by state, and while many states allowed for civil unions for same-sex couples, it created a separate but equal standard. In 2008, California was the first state to achieve marriage equality, only to reverse that right following a ballot initiative later that year. 

📍In 2018, Utah and Idaho were the last two states that lacked clear legislation protecting chest or breast feeding parents from obscenity laws. At the time, an Idaho congressman complained women would, "whip it out and do it anywhere,"

📍 In 1973, the Supreme Court affirmed the right to safe legal abortion in Roe v. Wade. At the time of the decision, nearly all states outlawed abortion with few exceptions. In 1965, illegal abortions made up one-sixth of all pregnancy- and childbirth-related deaths. Unfortunately after years of abortion restrictions and bans, the Supreme Court overturned Roe in 2022. Since then, 14 states have fully banned care, and another 7 severely restrict it – leaving most of the south and midwest without access. 

📍 Before 1973, women were not able to serve on a jury in all 50 states. However, this varied by state: Utah was the first state to allow women to serve jury duty in 1898. Though, by 1927, only 19 states allowed women to serve jury duty. The Civil Rights Act of 1957 gave women the right to serve on federal juries, though it wasn't until 1973 that all 50 states passed similar legislation

📍 Before 1988, women were unable to get a business loan on their own. The Women's Business Ownership Act of 1988 allowed women to get loans without a male co-signer and removed other barriers to women in business. The number of women-owned businesses increased by 31 times in the last four decades. 

Free download

📍 Before 1965, married women had no right to birth control. In Griswold v. Connecticut (1965), the Supreme Court ruled that banning the use of contraceptives violated the right to marital privacy.

📍 Before 1967, interracial couples didn’t have the right to marry. In Loving v. Virginia, the Supreme Court found that anti-miscegenation laws were unconstitutional. In 2000, Alabama was the last State to remove its anti-miscegenation laws from the books.

📍 Before 1972, unmarried women didn’t have the right to birth control. While married couples gained the right in 1967, it wasn’t until Eisenstadt v. Baird seven years later, that the Supreme Court affirmed the right to contraception for unmarried people.

📍 In 1974, the last “Ugly Laws” were repealed in Chicago. “Ugly Laws” allowed the police to arrest and jail people with visible disabilities for being seen in public. People charged with ugly laws were either charged a fine or held in jail. ‘Ugly Laws’ were a part of the late 19th century Victorian Era poor laws. 

📍 In 1976, Hawaii was the last state to lift requirements that a woman take her husband’s last name.  If a woman didn’t take her husband’s last name, employers could refuse to issue her payroll and she could be barred from voting. 

📍 It wasn’t until 1993 that marital assault became a crime in all 50 states. Historically, intercourse within marriage was regarded as a “right” of spouses. Before 1974, in all fifty U.S. states, men had legal immunity for assaults their wives. Oklahoma and North Carolina were the last to change the law in 1993.

📍  In 1990, the Americans with Disability Act (ADA) – most comprehensive disability rights legislation in U.S. history – was passed. The ADA protected disabled people from employment discrimination. Previously, an employer could refuse to hire someone just because of their disability.

📍 Before 1993, women weren’t allowed to wear pants on the Senate floor. That changed when Sen. Moseley Braun (D-IL), & Sen. Barbara Mikulski (D-MD) wore trousers - shocking the male-dominated Senate. Their fashion statement ultimately led to the dress code being clarified to allow women to wear pants. 

📍 Emergency contraception (Plan B) wasn't approved by the FDA until 1998. While many can get emergency contraception at their local drugstore, back then it required a prescription. In 2013, the FDA removed age limits & allowed retailers to stock it directly on the shelf (although many don’t).

📍  In Lawrence v. Texas (2003), the Supreme Court ruled that anti-cohabitation laws were unconstitutional. Sometimes referred to as the ‘'Living in Sin' statute, anti-cohabitation laws criminalize living with a partner if the couple is unmarried. Today, Mississippi still has laws on its books against cohabitation. 

[mostlysignssomeportents]

Paying consumer debts is basically optional in the United States

The vast majority of America's debt collection targets $500-2,000 credit card debts. It is a filthy business, operated by lawless firms who hire unskilled workers drawn from the same economic background as their targets, who routinely and grotesquely flout the law, but only when it comes to the people with the least ability to pay.

America has fairly robust laws to protect debtors from sleazy debt-collection practices, notably the Fair Debt Collection Practices Act (FDCPA), which has been on the books since 1978. The FDCPA puts strict limits on the conduct of debt collectors, and offers real remedies to debtors when they are abused.

But for FDPCA provisions to be honored, they must be understood. The people who collect these debts are almost entirely untrained. The people they collected the debts from are likewise in the dark. The only specialized expertise debt-collection firms concern themselves with are a series of gotcha tricks and semi-automated legal shenanigans that let them take money they don't deserve from people who can't afford to pay it.

There's no better person to explain this dynamic than Patrick McKenzie, a finance and technology expert whose Bits About Money newsletter is absolutely essential reading. No one breaks down the internal operations of the finance sector like McKenzie. His latest edition, "Credit card debt collection," is a fantastic read:

https://www.bitsaboutmoney.com/archive/the-waste-stream-of-consumer-finance/

McKenzie describes how a debt collector who mistook him for a different PJ McKenzie and tried to shake him down for a couple hundred bucks, and how this launched him into a life as a volunteer advocate for debtors who were less equipped to defend themselves from collectors than he was.

McKenzie's conclusion is that "paying consumer debts is basically optional in the United States." If you stand on your rights (which requires that you know your rights), then you will quickly discover that debt collectors don't have – and can't get – the documentation needed to collect on whatever debts they think you owe (even if you really owe them).

The credit card companies are fully aware of this, and bank (literally) on the fact that "the vast majority of consumers, including those with the socioeconomic wherewithal to walk away from their debts, feel themselves morally bound and pay as agreed."

If you find yourself on the business end of a debt collector's harassment campaign, you can generally make it end simply by "carefully sending a series of letters invoking [your] rights under the FDCPA." The debt collector who receives these letters will have bought your debt at five cents on the dollar, and will simply write it off.

By contrast, the mere act of paying anything marks you out as substantially more likely to pay than nearly everyone else on their hit-list. Paying anything doesn't trigger forbearance, it invites a flood of harassing calls and letters, because you've demonstrated that you can be coerced into paying.

But while learning FDCPA rules isn't overly difficult, it's also beyond the wherewithal of the most distressed debtors (and people falsely accused of being debtors). McKenzie recounts that many of the people he helped were living under chaotic circumstances that put seemingly simple things "like writing letters and counting to 30 days" beyond their needs.

This means that the people best able to defend themselves against illegal shakedowns are less likely to be targeted. Instead, debt collectors husband their resources so they can use them "to do abusive and frequently illegal shakedowns of the people the legislation was meant to benefit."

Here's how this debt market works. If you become delinquent in meeting your credit card payments ("delinquent" has a flexible meaning that varies with each issuer), then your debt will be sold to a collector. It is packaged in part of a large spreadsheet – a CSV file – and likely sold to one of 10 large firms that control 75% of the industry.

The "mom and pops" who have the other quarter of the industry might also get your debt, but it's more likely that they'll buy it as a kind of tailings from one of the big guys, who package up the debts they couldn't collect on and sell them at even deeper discounts.

The people who make the calls are often barely better off than the people they're calling. They're minimally trained and required to work at a breakneck pace. Employee turnover is 75-100% annually: imagine the worst call center job in the world, and then make it worse, and make "success" into a moral injury, and you've got the debt-collector rank-and-file.

To improve the yield on this awful process, debt collection companies start by purging these spreadsheets of likely duds: dead people, people with very low credit-scores, and people who appear on a list of debtors who know their rights and are likely to stand on them (that's right, merely insisting on your rights can ensure that the entire debt-collection industry leaves you alone, forever).

The FDPCA gives you rights: for example, you have the right to verify the debt and see the contract you signed when you took it on. The debt collector who calls you almost certainly does not have that contract and can't get it. Your original lender might, but they stopped caring about your debt the minute they sold it to a debt-collector. Their own IT systems are baling-wire-and-spit Rube Goldberg machines that glue together the wheezing computers of all the companies they've bought over the last 25 years. Retrieving your paperwork is a nontrivial task, and the lender doesn't have any reason to perform it.

Debt collectors are bottom feeders. They are buying delinquent debts at 5 cents on the dollar and hoping to recover 8 percent of them; at 7 percent, they're losing money. They aren't "large, nationally scaled, hypercompetent operators" – they're shoestring operations that can only be viable if they hire unskilled workers and fail to train them.

They are subject to automatic damages for illegal behavior, but they still break the law all the time. As McKenzie writes, a debt collector will "commit three federal torts in a few minutes of talking to a debtor then follow up with a confirmation of the same in writing." A statement like "if you don’t pay me I will sue you and then Immigration will take notice of that and yank your green card" makes the requisite three violations: a false threat of legal action, a false statement of affiliation with a federal agency, and "a false alleged consequence for debt nonpayment not provided for in law."

If you know this, you can likely end the process right there. If you don't, buckle in. The one area that debt collectors invest heavily in is the automation that allows them to engage in high-intensity harassment. They use "predictive dialers" to make multiple calls at once, only connecting the collector to the calls that pick up. They will call you repeatedly. They'll call your family, something they're legally prohibited from doing except to get your contact info, but they'll do it anyway, betting that you'll scrape up $250 to keep them from harassing your mother.

These dialing systems are far better organized than any of the company's record keeping about what you owe. A company may sell your debt on and fail to keep track of it, with the effect that multiple collectors will call you about the same debt, and even paying off one of them will not stop the other.

Talking to these people is a bad idea, because the one area where collectors get sophisticated training is in emptying your bank account. If you consent to a "payment plan," they will use your account and routing info to start whacking your bank account, and your bank will let them do it, because the one part of your conversation they reliably record is this payment plan rigamarole. Sending a check won't help – they'll use the account info on the front of your check to undertake "demand debits" from your account, and backstop it with that recorded call.

Any agreement on your part to get on a payment plan transforms the old, low-value debt you incurred with your credit card into a brand new, high value debt that you owe to the bill collector. There's a good chance they'll sell this debt to another collector and take the lump sum – and then the new collector will commence a fresh round of harassment.

McKenzie says you should never talk to a debt collector. Make them put everything in writing. They are almost certain to lie to you and violate your rights, and a written record will help you prove it later. What's more, debt collection agencies just don't have the capacity or competence to engage in written correspondence. Tell them to put it in writing and there's a good chance they'll just give up and move on, hunting softer targets.

One other thing debt collectors due is robo-sue their targets, bulk-filing boilerplate suits against debtors, real and imaginary. If you don't show up for court (which is what usually happens), they'll get a default judgment, and with it, the legal right to raid your bank account and your paycheck. That, in turn, is an asset that, once again, the debt collector can sell to an even scummier bottom-feeder, pocketing a lump sum.

McKenzie doesn't know what will fix this. But Michael Hudson, a renowned scholar of the debt practices of antiquity, has some ideas. Hudson has written eloquently and persuasively about the longstanding practice of jubilee, in which all debts were periodically wiped clean (say, whenever a new king took the throne, or once per generation):

https://pluralistic.net/2020/03/24/grandparents-optional-party/#jubilee

Hudson's core maxim is that "debt's that can't be paid won't be paid." The productive economy will have need for credit to secure the inputs to their processes. Farmers need to borrow every year for labor, seed and fertilizer. If all goes according to plan, the producer pays off the lender after the production is done and the goods are sold.

But even the most competent producer will eventually find themselves unable to pay. The best-prepared farmer can't save every harvest from blight, hailstorms or fire. When the producer can't pay the creditor, they go a little deeper into debt. That debt accumulates, getting worse with interest and with each bad beat.

Run this process long enough and the entire productive economy will be captive to lenders, who will be able to direct production for follies and fripperies. Farmers stop producing the food the people need so they can devote their land to ornamental flowers for creditors' tables. Left to themselves, credit markets produce hereditary castes of lenders and debtors, with lenders exercising ever-more power over debtors.

This is socially destabilizing; you can feel it in McKenzie's eloquent, barely controlled rage at the hopeless structural knot that produces the abusive and predatory debt industry. Hudson's claim is that the rulers of antiquity knew this – and that we forgot it. Jubilee was key to producing long term political stability. Take away Jubilee and civilizations collapse:

https://pluralistic.net/2022/07/08/jubilant/#construire-des-passerelles

Debts that can't be paid won't be paid. Debt collectors know this. It's irrefutable. The point of debt markets isn't to ensure that debts are discharged – it's to ensure that every penny the hereditary debtor class has is transferred to the creditor class, at the hands of their fellow debtors.

In her 2021 Paris Review article "America's Dead Souls," Molly McGhee gives a haunting, wrenching account of the debts her parents incurred and the harassment they endured:

https://www.theparisreview.org/blog/2021/05/17/americas-dead-souls/

After I published on it, many readers wrote in disbelief, insisting that the debt collection practices McGhee described were illegal:

https://pluralistic.net/2021/05/19/zombie-debt/#damnation

And they are illegal. But debt collection is a trade founded on lawlessness, and its core competence is to identify and target people who can't invoke the law in their own defense.

Going to Defcon this weekend? I’m giving a keynote, “An Audacious Plan to Halt the Internet’s Enshittification and Throw it Into Reverse,” today (Aug 12) at 12:30pm, followed by a book signing at the No Starch Press booth at 2:30pm!

https://info.defcon.org/event/?id=50826

I’m kickstarting the audiobook for “The Internet Con: How To Seize the Means of Computation,” a Big Tech disassembly manual to disenshittify the web and bring back the old, good internet. It’s a DRM-free book, which means Audible won’t carry it, so this crowdfunder is essential. Back now to get the audio, Verso hardcover and ebook:

http://seizethemeansofcomputation.org

If you’d like an essay-formatted version of this post to read or share, here’s a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/08/12/do-not-pay/#fair-debt-collection-practices-act

[cannabisbusinessexecutive]

Why the SAFE Banking Act Still Stinks: Third Try Falls Short

By Steven Schain While preferable to its predecessors, the SAFE Banking Act fails to provide legal marijuana growers, processors, transporters or sellers (marijuana-related businesses or MRBs) with the access to banking that every other legitimate industry enjoys. Is the third time a charm? Following failed 2019 and 2021 attempts, both the House of Representatives and Senate reintroduced the…

[swiggity-swexual-i-am-asexual]

For consideration—

Danny is many things. Student, hero, teenager, tired. Teenager and tired are shared, student is what he wants, and hero is what he has to be.

So when he’s fighting Val—Red Huntress, as dubbed by the general populace—and they get interrupted from their highly dangerous not-quite game of hide and seek by the Justice League offering her all of the training and support any hero could ever want… well.

It’s a good thing he’s already hidden, because he has no idea what to feel and ghost faces are significantly more stretchy and allow for frankly horrifying face journeys. He could just be a kid. He wanted to have mentorship. He wanted Valerie to be a great hero. He hopes she’s not getting dragged into it. He’s been given an out, possibly.

Or at the least, as Jazz would put in during the video call later that night, he could take a vacation.

Her reasons were fairly pure. He overworked himself by necessity, and he deserved time and rest and the ability to go for his own hobbies.

Danny’s were very much in the petty revenge territory. Blob ghost populations would be outright swarms in about two weeks, and that’s if the ectopi didn’t start hunting them as prey, sending them into a tizzy. Any bigger threats—well. Red Huntress was the hero, the only hero, as Superman said in his little ‘join us’ speech. Clearly, she’d been handling it so far. She’d be fine. There was even Justice League backing and support for her.

He still hid during ghost attacks. Everyone always thought he was scared of ghosts anyways and the rogue gallery had no qualms about kidnapping or otherwise targeting him as a regular teen.

Things… quickly spiral.

For Red Huntress, that is.

Suddenly, her new ghost alarm system that Batman helped her build is going off constantly. She expected an uptick, but she’s gotten maybe five hours of sleep in about as many days. It was a good thing that one of the support benefits was a paycheck, because if she hadn’t quit Nasty Burger they certainly would have fired her by then. Her grades were slipping, even with her best efforts, and her mentors who were supposed to help weren’t listening to her.

It wasn’t them ‘challenging her beliefs’ and asking her to ‘really consider if ghosts are always your enemy’ that made her fights suddenly harder. It wasn’t some adjustment period to her new training. There was just ghosts, all the time, constantly, and she didn’t even know what to do with all of them. She always just ran them off, and she had assumed they went home. She hadn’t realized the reason Phantom always captured them was because otherwise they just would not leave.

And Phantom. He was one of her rogues, play acting as hero for people he’d just put into danger. Sometimes he did—kind of—help, but it seemed more coincidental. A giant bobcat in the yard keeping the bears away sort of situation. Still dangerous, still unknown, no matter how similar he looked to something or someone friendly.

But. He’d been MIA since their last fight. And she didn’t know why.

Sure, she could guess that maybe he had heard the whole acceptance into the Junior League, or whatever it was called, that had happened. And with his whole ‘hero’ shtick, he’d maybe be a little weird about it. Not emotional, ghosts didn’t have true emotions. No matter what Black Canary was currently researching on the topic, Valerie was sure of it.

Just like she’d been sure that she was actually helping Amity Park.

If she heard one more property damage assessment, she’d strap one of her ecto guns to the lecturer and let them have a crack at it. Ghosts didn’t care about material things that mattered to other people. They might have attachments to certain types of objects or things they considered ‘theirs’, but if that thing was a living human’s… it didn’t matter, it’d be taken or broken just the same.

Sam was, of course, leading a small protest asking for Phantom’s return. She and Danny had at least three fights about it, and it wasn’t pretty.

Paulina had a different approach to the same issue, asking for recognition of her ghost boy.

Tucker was egging both on, mostly to distract Sam from actually bothering Danny, but also because he loved a good cat fight.

Danny was getting so much sleep, and he’s getting caught up in school. Sure, the school is usually at least a little on fire these days, but he actually read the assignment book for Lancer’s class. That hadn’t happened like, ever! And his Doom stats were getting pretty high, since the only grinding he had to do now was against virtual enemies that didn’t try to snap his spine… Technus notwithstanding.

As these things usually happen, Valerie blames Phantom for all of her woes, again. The Fenton Parents, being thoroughly exhausted at this point as well, completely back her.

And Danny has had a lot of time to rest and think on the actions of himself and others.

He’s been declared a menace, again. And he’s kind of tired of people not realizing that if he WANTED to be a villain, he could be. He wanted his town safe, and honestly, the ghost populace explosion was getting annoying. Red Huntress’s last “big fight” had nearly killed someone.

… He wouldn’t be Dan, oh no. He wouldn’t cause damage, he’d prevent those from being hurt, and he would generally look at the Hero Guideline Handbook he had… temporarily borrowed and copied from Val’s backpack. He’d be campy and totally not serious to anyone who didn’t realize he actually was just playing around. And him actually taking on ‘big fish’ persona in Amity Park’s ‘little pond’ should help get rid of at least some of the lower level guys.

It’s not like it’s be hard, honestly. He’d get to make his own hours, at least. And since Valerie saw Fenton as someone to protect, someone that he well knew she broke up with to ‘keep him safe’, she wouldn’t think of him twice as being Phantom. Danny wouldn’t use their friendship against her, but he could easily admit that it was a little scummy to do. But. Well. He’d always fought a bit dirty, and she had literally tried to kill him. Multiple times.

If Red Huntress was going to be a villain-like Hero, then it was simple.

Phantom just had to be a hero-like Villain.

Prompt

The justice league FINALLY investigates Amity, and realizes that they’ve made a grave mistake by letting a burgeoning hero shoulder a large problem without any training or support. They rectify this immediately by offering a position in the JL along with an assortment of mentors and other teen heroes to bond with. 

Red Huntress receives this invitation in front of Phantom, while actively trying to hunt him down.

[invisibleicewands]

Fair Banking For All

[ltwilliammowett]

Glossary of Nautical Terms - as used in the late 18th and early 19th centuries

Aft: at or towards the stern or after part of a ship, the opposite of bow.

Aloft: overhead, or above.

Athwart: across.

Bank: a rising ground in the sea, differing from a shoal, because not rocky but composed of sand, mud or gravel.

Becalmed: to halt through lack of wind.

Bow: the foremost end or part of a ship, the opposite of stern.

Bowsprit: a large mast or piece of timber which stands out from the bow of a ship.

Burthen: the older term used to express a ship's tonnage or carrying capacity. It was based on the number of tuns of wine that a ship could carry in her holds, the total number giving her burthen.

Chase, to: to pursue a vessel in wartime with the aim of capturing, acquiring information from her, or destroying.

Colours: the name by which the national flag flown by a ship at sea is known, used to determine nationality.

Dead reckoning: a system of navigation where the position of a ship is calculated without the use of any astronomical observation whatever.

Fair wind: a wind favourable to the direction a ship is sailing.

Fathom: a measure of six feet, used to divide the lead (or sounding) lines in measuring the depth of water; and to calculate in the length of cables, rigging, etc.

Fore: the forward part.

Hail, to: to call to another ship.

Helm: the instrument by which the ship is steered, and includes both the wheel and the tiller, as one general term.

Jib: a triangular sail set by sailing ships on the boom which runs out from the bowsprit.

Jury-mast: a temporary makeshift mast erected to replace a mast that has been disabled or carried away.

Jury-rudder: a makeshift arrangement to give a ship the ability to to steer when she has lost her rudder.

Keel: the lowest and principal timber of a wooden ship - the single strongest member of the ship's frame.

Knot: the nautical measure of speed, one knot being a speed of one nautical mile (6,080 feet) per hour. As a measure of speed the term is always knots, and never knots an hour.

Landfall: the discovery of the land.

Land-locked: sheltered all round by the land, so that there is no view of the sea.

Lead: an instrument for discovering the depth of water, attached to a lead-line, which is marked at certain distances to measure the fathoms.

Lee: the side of a ship, promontory, or other object away from the wind; that side sheltered from the wind. It is the opposite side to windward.

Lee shore: a coastline on to which the wind blows directly - consequently it can be dangerous as the wind tends to force the sailing ship down on it.

Leeward: with the wind; towards the point to which the wind blows.

Letter of Marque: a commission issued in Britain by the Lord High Admiral or Commissioners of the Admiralty authorizing the commander of a privately owned ship to cruise in search of enemy merchant vessels. The letter of marque described the ship, her owners and officers, the amount of surety which had been deposited and stressed the necessity of having all prize vessels or goods seized condemned and valued at a Vice Admiralty Court for the payment of 'prize money'.

Lie-to: to prevent a vessel from making progress through the water - achieved by reducing sail in a gale. The objective is to keep the vessel in such a position, with the wind on the bow, as to ensure that heavy seas do not break aboard.

The Line (or 'Crossing the Line') Sailing across the Equator. Nautical tradition where seamen celebrate the crossing of the equator by dressing up and acting out a visit by King Neptune. Those who have not previously crossed the line are summoned to the court of Neptune for trial, followed by a ritual ducking (in a bathing tub of seawater) and sometimes lathered and roughly shaved.

Mainsail: the principal sail of a sailing vessel.

Mizzen (or mizen): the name for the third, aftermost, mast of a square-rigged sailing ship or of a three-masted schooner.

Muster: to assemble the crew of a ship on deck and call through the list of names to establish who is present and accounted for.

Muster-book: the book kept on board a vessel in which was entered the names of all men serving in the ship, with the dates of their entry and final discharge from the crew. It was the basis on which victuals were issued and payment made for services performed on board.

Pintle: a vertical metal pin attached to the leading edge of the rudder; it is fitted into the metal ring or 'gudgeon' bolted to the sternpost of a vessel. This provides the means for hinging the rudder on the sternpost and allows a rudder to be swung or turned as desired (by use of the tiller); where necessary (ie. when the rudder needs to be removed or repaired) the pintles can be unshipped quickly and the rudder detached.

Port: the left-hand side of a vessel as seen from the stern; also a harbour or haven.

Privateer: a privately owned vessel armed with guns which operated in time of war against the trading vessels of an enemy nation. Each privateer was given a a 'letter of marque' which was regarded as a commission to seize any enemy shipping as a 'prize'. The name 'privateer' has come to refer to both the ship and the men who sailed in her.

Prize: name used to describe an enemy vessel captured at sea by a ship of war or a privateer; also used to describe a contraband cargo taken from a merchant ship. A 'prize court' would then determine the validity of capture of ships and goods and authorize their disposal. 'Prize' in British naval history always acted as considerable incentive to recruitment with many men tempted to join the navy in anticipation of quick riches.

Prize Court: Captured ships were to be brought before prize courts where it was decided whether the vessel was legal prize; if so, the whole value was divided among the owners and the crew of the ship.

Prize Money: the net proceeds of the sale of enemy shipping and property captured at sea - these proceeds were distributed to the captors on a sliding scale from highest rank to lowest seaman.

Road or Roadstead: a stretch of sheltered water near land where ships may ride at anchor in all but very heavy weather; often rendered as 'roads', and does not refer to the streets of a particular port city but rather its anchorage, as in 'St Helens Roads', the designated anchorage for shipping located between St. Helens (Isle of Wight) and Portsmouth, or 'Funchal Roads' at the island of Madeira. (see Elizabeth Macquarie's 1809 Journal).

Quarter: (1)the direction from which the wind was blowing, particularly if it looked like remaining there for some time; (2)the two after parts of the ship - strictly speaking a ship's port or starbord quarter was a bearing 45° from the stern.

Ship: from the Old English scip, the generic name for sea-going vessels (as opposed to boats). Originally ships were personified as masculine but by the sixteenth century almost universally expressed as as feminine.

Shoal: a bank or reef, an area of shallow water dangerous to navigation. Sounding: the of operation of determioning the depth of the sea, and the quality of the ground, by means of a lead and line, sunk from the ship to the bottom, where some of the sediment or sand adheres to the tallow in the hollow base of the lead.

Sound: (1) to try the depth of the water; (2) a deep bay.

Sounding: ascertaining the depth of the sea by means of a lead and line, sunk from a ship to the bottom.

Soundings: those parts of the ocean not far from the shore where the depth is about 80 to 100 fathoms.

Spar: a general term for any wooden support used in the rigging of a ship - includes all masts, yards, booms, gaffs etc.

Squall: a sudden gust of wind of considerable strength.

Starboard: the right-hand side of a vessel as seen from the stern.

Stern: after-part of a ship or boat.

Tack: the nautical manouevre of bringing a sailing vessel on to another bearing by bringing the wind round the bow; during this manouevre the vessel is said to be 'coming about'.

Tide of Flood: the flow of the tidal stream as it rises from the ending of the period of slack water at low tide to the start of the period of slack water at high tide; its period is approximately six hours.

Trade Winds: steady regular winds that blow in a belt approximately 30 N. and 30 S of the equator. In the North Atlantic the trades blow consistently all year round, from the north-east; in the South Atlantic they blow from the south-east, converging just north of the equator. The meeting of the trade winds just north of the equator created the infamous 'doldrums', where sailing ships could be becalmed for days or weeks waiting for a wind to carry them back into the trades.They were known as trade winds because of their regularity, thereby assisting sailing vessels in reaching their markets to carry out trade.

Under way: the description of a ship as soon as she begins to move under canvas power after her anchor has been raised from the bottom; also written as 'under weigh.'

Voyage: a journey by sea. It usually includes the outward and homeward trips, which are called passages.

Watch: (1) one of the seven divisions of the nautical day; (2) one of two divisions of the seamen forming the ship's company.

Wear: the nautical manouevre of bringing a sailing vessel on to another tack by bringing the wind around the stern.

Weather: in a nautical sense (rather than a meteorological) this is the phrase used by seamen to describe anything that lies to windward. Consequently, a coastline that lies to windward of a ship is a weather shore; the side of a ship that faces the wind when it is under way is said to be the weather side a ship, etc.

Weigh: to haul up.

Weigh anchor: the raising of the anchor so that the ship is no longer secured to the sea or river bottom.

Windward: the weather side, or that direction from which the wind blows. It is the opposite side to leeward.

Yard: (1) a large wooden spar crossing the masts of a sailing ship horizontally or diagonally, from which a sail is set. (2) a shortened form of the word 'dockyard, in which vessels are built or repaired.

Sources: JEANS, Peter D. Ship to Shore: a dictionary of everyday words and phrases derived from the sea. Santa Barbara: ABC-Clio, 1993.

The Oxford Companion to Ships & the Sea. (ed.) Peter Kemp. Oxford: Oxford University Press, 1976.

[mfi-miami]

Trigger Leads Ban Supported By NAMB

NAMB And Other Trade Groups Support Amending The FCRA To Ban Credit Bureaus From Selling Trigger Leads Trigger leads are driving both consumers and loan officers insane. The National Association of Mortgage Brokers (NAMB) has announced it support legislation that would ban trigger leads. The NAMB is a trade group that represents the interests of individual mortgage loan originators and small to…

[nationallawreview]

Congress Eases Criminal Offense Restrictions for Employment With Financial Institutions

Included in the defense spending bill signed by President Biden in December 2022 is a section with key provisions for financial institutions that will ease restrictions on hiring candidates with criminal records. Section 5705 in the National Defense Authorization Act (NDAA) for Fiscal Year 2023, titled “Fair Hiring in Banking,” further narrows convictions that would constitute a bar to employment…

[lunarw0rks]

I feel like Graves would end up with a really soft and innocent s/o just because he loves being the 'strong man' lol and even though they're maybe even smaller than him all sweet and shy- he is absolutely whipped for them! Especially if they can cook and be a lil housemaker for him??

♡♡♡ warning(s): nsfw + sfw, fem!reader

─── graves and his homemaker s/o ❤︎₊ ⊹

there's no one on earth more loved and adored by him, despite the stigma surrounding the dynamic you two have. he doesn't pay any mind to their judgements. in his heart, he knows how tender he is with you behind closed doors. and in yours, he hopes.

you never pictured it to end up this way. before, you were like any adult. busting your ass at work, ending each week exhausted and struggling to buy yourself groceries.

and then you met him. chivalrous and borderline self-obsessed. but you weren't being patronized when he acted with traditional courtesy. you weren't a body to be claimed or a trophy to hang on his arm.

you were merely his. all his within months of meeting, and that meant you were to be taken care of. spoiled rotten, some would say. what better way to have it? compared to your old life of hardship, it was paradise.

everything paid for, without a second of hesitation. what little savings you had idle in your bank account, untouched when he's around.

he can and will take care of you — in every way. it's in graves' nature to provide.

no different than he does for his men, only you've been appointed the privilege of seeing the gentler side of him, when the uniform of a commander is rid of his scarred body.

-ˋˏ✄┈┈┈┈┈┈┈┈nsfw under the cut!

˖⁺｡˚⋆˙˖⁺₊˚⊹♡ it's only fair, to be taken care of in every way possible. you've been so good to him, so good for him, right? there's no quicker way to his heart, than someone who enjoys being smothered with his praise.

what better sight, than opening the door and seeing you concerning with such trivial things. he spent the day making life or death decisions, and you're there; concerned with which centerpiece looks best on the dining table. some men would see it as a means for competition, or a degrade — but graves finds it irresistible.

the house smells divine; your scented candles, the fragrance you spritz, and whatever you have baking in the oven. he can practically feel the tension leave his shoulders, how his senses come alive when greeted with the comfort of your shared home.

you've dressed nice for him again, though he always gave no pressure for you to do so. clothes to match the summer heat, hair styled and pinned back to stay out of the way.

you, in your domestic, relaxed state — the one thing better than all the trivial pleasures in life, better than the house you were both standing in.

though you usual greet him, you're immersed in the centerpiece debate. you hold the two pieces up to him, "do you think I should go with the silver candle candleholders? or how about the brass ones?" it's a genuine question, but it's only met with an amused scoff — a slight smirk tugging at the corner of his lips.

graves sets aside his luggage, stepping closer to you and your very concentrated gaze. "why do you ask me, sweetheart? it's up to you. and if you don't like 'em, we'll go buy more." he examines the decor in your hands briefly, but his eyes end up back on you permanently.

"just want it to look nice in here," you sigh at his dismissal, turning away to resume contemplation. "we have that supper planned in a few weeks, don't we?" you add, setting the options back on the oak table.

as if the place could be more meticulously decorated. there was barely a trace of him in this house, except for his nightstand and office. you had free reign to adjust the home to your taste, considering you were the one who spent most of your time there.

a gentle chuckle rang from him, followed by a click of his tongue, "don't think it can get much nicer in here, darlin'. i reckon you've left a touch on just about every inch of place, haven't you?" you shoot a flustered look, even though his words are truthful.

it was a silly dilemma, considering not a soul would be criticizing your centerpiece decision. "oh, c'mon, don't do that face... my guys will eat anything you slide in front of them, you know that? could host the damn supper in the closet and you'd charm the daylights out of 'em." he says, soothing every worry down to a simmer rather than a hard boil.

he's definitely good at shutting you up. only, in the most embellished of ways. without fail, a charmed smile spread on your face — as did a surge of warmth. graves cupped one of your cheeks, running his thumb along it, "see? much better than a scowl. now, tell me, what's cooking?"

"you know the rules. i can't tell you until the timer beeps. besides, it's supposed to be a surprise." you replied, making a meek escape from his gentle grasp. displayed on the small screen; eight minutes remained.

with a hasty yank and then a stumble on your end, your back was against his chest. "i don't like surprises, do i?" you felt the sensation of his teeth nibbling along the side of your neck, all in the midst of his patterned kisses. when he was this close, he got deep whiffs of your intoxicating perfume, the freshly shampooed hair on your head, the detergent you insisted he buy. heart-stopping — like it was every time he pulled you close.

it was true, he hated them. the tickle of his lips made you squirm — a futile attempt to slip away and leave him hanging. that never worked, and you knew it. "we're down to five, time's a-wastin'."

somehow, someway, neither of you made it up the stairs this time. all he did to prepare was send the stacks of mail flying from the island; the one you found yourself sitting on. graves stood between your legs, his caressing fingers your means of preparation. though, by the times your legs were exposed to the breeze — you and your body were eager enough for him.

the minutes decreased no matter how hurriedly he moved, and he always stuck to his rules. if there was a time limit, he'd get it done before zero.

"been thinking about you all day," he breathes. "by the looks of it, you have too, sweetheart." his tip prodded at your slick entrance, while the other hand hooked around your thigh to keep it hiked up with ease. wasn't the first time he ravished you on the kitchen counters, it certainly wouldn't be the last. slowly at first, then all at once — he thrusted inside of you.

once he got situated, there was no stopping him. every rock of his hips was purposeful and deep, yet his kisses remained delicate and tender. your moans muffled against his mouth, his lips pinkish and coated with saliva as it roamed your warmed face.

soon, your back was flat against the island with your legs still hanging off and in his grip. with every methodical movement, your walls tightened around his length and edged him closer to a finish. by now, you were certain your appearance was faulty; either ruined by sweat or the constant hands graves had on you.

despite being close within the first few minutes, he had gotten carried away ogling you. your gasps, your squinted eyes, the teeth indents on your bottom lip from how harshly you sunk into it. however, now there wasn't any restraint left in him. the tight coil in his abdomen begged for release, no matter how much stamina that remained in his body.

as the clock struck zero, he bottomed out with the force of his whole body — spilling every last drop inside of you. the oven beeped three times, as if on cue.

a string of curses against your lips as he leaned down to kiss you, sneaking in a few sloppy thrusts afterward. "i'll make it up to you later, make it worth your while." he pecked along your jaw, adjusting the strap of your top that had slid down your arm.

"it was worth my while." you replied between catching your breath, voice still quivering slightly.

he chuckled, fingers still playing with the fabric, "so, what's cooking? have i earned my right to know?" he was right; you always told him once the meal was ready, and that's what it was right now. the aroma hit your nostrils, as intoxicating as he found yours.

your eyes flicked over to the digital screen, still flashing and urging you to remove the pan, then it beeped for a second round as a reminder. "just a roast your mom taught me. thought you would've recognized the smell by now." you uttered, tracing your fingers along his blond stubble.

"hm, something must've distracted me, darlin'," he ran a tongue along his bottom lip, now gazing with admiration rather than hunger.

then, his brow raised with interest. both in humor and intense dread he added, "you've been calling my mother?"

[kitscutie]

public eye (drew starkey x fem!reader)

pairing: drew starkey x reader

warnings: none, all cute shiz and some sexy moments. ;) shotgunning smoke, make out.

summary: all the times the public thought the two of you were dating, and the one time they knew.

a/n: sorry I've been on such a long break, life got a bit busy recently but i'm hoping to get back into writing - especially for drew! also sorry if the use of arse scares anyone - im british x

requests open!

word count: 1.8k

You and Drew has always been close. The cast were aware, the fans were aware. Ever since season one of Outer Banks came out, and both of your statuses grew, people began to dig. Your relationship friendship dated all the way back to your teenage years, doing multiple high school theatre shows together, and going on to attend the same University.

This also meant that there were a lot of photos and videos of the two of you being stupid kids, and while you had never explicitly said you were dating, even denying it to this day, there were early on suspicions.

A main one being the hundreds of photos together at family events, arms wrapped around each other, in some his jacket thrown over your shoulders as weddings went on into the night.

Though, the more incriminating stuff came much more recently, as now people knew who you were and so what was and wasn't posted was no longer in your control.

→ Sleeping Angels

The first video to cause rumours was posted onto Chase's story. It was short, only fifteen seconds or so, meaning no one was really concerned about what it might cause.

It was clearly from the set of OBX as the trailer surrounding you was littered with both cast and crew members, all shuffling around while you and drew were the complete contrast.

The pair of you were lying (quite comfortably) on a leather l-shaped sofa in the corner of the room. You could hear what you assumed to be Chase and Rudy giggling as they approached, laughing at how tightly Drew held you to him.

You were wrapped closely into his chest, arms lying softly on his wait while on of his held the back of your head, the other tucked under your t-shirt (which was actually your characters wardrobe and not your own) sitting on your back.

They couldn't see your face, but judging by Drew's closed eyes they could assume you were asleep.

Ever so gently the boys began to take gummy worms from their pockets. Each placing one in both of Drew's ears, and finally one was wedged into his mouth which woke him up.

At first, he was confused, looking down at you but upon seeing you still asleep his eyes looked up, squinting to avoid the lights. Unable to hide their humour at the situation anymore Chase and Rudy burst into laughter, Drew joining but much quieter due to his sleepy state as he threw the gummy worms back at the pair.

The removal of his hand on your back is what brought you back to the non-sleeping world. Hearing a mumbled 'fuck off' from Drew as he smiled at the two boys.

"What's happening?" You mumbled, utterly confused, hair sticking up in every direction and Drew quickly attempted to smooth it down maintaining your dignity as you were filmed.

"Nothing. Ignore these idiots ba-." The camera quickly shut off, leaving the viewers intrigued. What had Drew been about to say? Was it an accident? It was all unclear.

Of course with obsessed fans it didn't take long for rumours to fly, the main one being that the words coming out of his mouth were to be 'baby'. They were right. Thought you wouldn't tell them that, not yet at least.

→ Poguelandia

The next clip to blow up and cause hysteria was the two of you at the Outer Banks season three event 'Poguelandia'. You had arrived together and explored together, alongside Austin, your arm linked through the two boys'.

You talked to fans, played minigames and drank. Drank a lot. Which you blamed for your obliviousness when acting a bit too close to Drew for someone who wasn't dating him. To be fair, he also could've avoided it and yet neither of you did.

It happened as the cast and close friends stood atop the exclusive stage, all singing and dancing together as bands played - especially when 'Left hand free' came on.

You mostly behaved for the first twenty minutes, dancing with Madelyn, Madison and Carlacia but soon you wanted to spend some time with Drew, tending to get clingy when tipsy.

You began your walk over as the video begun, Madelyn attempting to grab your arm but it was a futile attempt as now, with him in your sights, you were determined.

The girls looked concerned before Austin- who was stood with Drew- leaned over and whispered something to them all, waving off their concern as they continued to dance and the camera now panned to you and the much taller boy.

You were talking, pressed against the edge of the silver fence which kept you from falling as the crowd kept growing around you.

As you got bumped by an unknown person Drew wrapped his arm around your waist, offering you a sip of his drink which you gladly took but soon regretted as you realised it was beer.

He chuckled with a smirk already knowing you didn't like it. Then he said something, but as the camera was miles away the viewers began to assume, and being reasonable, it did look awfully similar to 'sorry, sweetheart' before you received a gentle kiss to your forehead.

Soon after you joking turned away in annoyance, facing the stage and beginning to sway, your front pressed against the fence, back against Drew's stomach. He wrapped his hand around your waist, beginning to sway with you and you could tell the Filmer subtly freaked out as the camera jolted for a few seconds before it zoomed in further.

It showed Austin wide eyed as he searched the crowd for anyone watching. Not seeing anyone he shrugged taking a sip from his plastic cup before once again dancing with a smile.

Unfortunately, he had been wrong and once again your and Drew's relationship was being speculated.

→ Italy

The final clip of you and Drew which went viral without real confirmation of anything more than a close friendship was while he was filming in Italy.

After being spotted out and about alone for months, suddenly you appeared by his side wearing a pretty sundress, once again arm linked through his.

He wore a cap and you both wear sunglasses, looking like typical celebrities avoiding being spotted, though now it was known he had been here for months it was near impossible.

You were stood calmly in a corner attempting to navigate the way to a restaurant you were going to try when a small group of girls approached you both.

They explained they were big fans of Outer Banks and both of your characters in said show, asking very politely for a photograph in their adorable Italian accents.

They began screen recording in order to be able to capture the whole interaction, as fans often did and it was decided you would take the photo as you were in the middle, the girls on one side, drew on the other.

The viewers watched as you took the phone, hand briefly passing the camera showing a thick silver band ring, in it was a delicately carved cursive 'D'.

As soon as the girls watched the video back and saw it they posted the video to Tik Tok, it garnering as much attention as you imagined it would when showing something so potentially interesting.

What they didn't expect, however, was the further observations. The most major being the necklace that had been in almost every photo of Drews for the past few years, the charm which hung from the end now looked weirdly similar to your necklace, and the viewers couldn't help but wonder if it was a matching one of his own, with your initial carved instead of his.

It was.

→ The Conformation.

The final and real proof to all the fans who suspected you and Drew may be together was a video of the two of you at a cast night out in South Carolina at a club.

The two of you were stood outside of said club, clearly trying to cool down as both of you faces were red, Drew's shirt unbuttoned at the top, his chest rosy must like his cheeks.

He was leant against the wall of the club, legs wide as you stood between them, hands placed on his hips ever so slightly holding his shirt between your fingers.

Your dress which was black and almost fully covered in diamonds shimmered under the moonlight and you could see mouth something along the lines of 'you look beautiful' followed by you leaning forward, burying your smiling face into his neck.

His hand, which wasn't holding a lit cigarette came up to hold the back of your head, throwing his own back against the bricks in a laugh, clearly finding your bashfulness cute.

Soon enough the conversation turned from casual to flirty, body language changing in a way so blatant, you could tell from the other side of the screen.

Your hands moved from his waist to around his neck, hands linked behind his head as his spare hand held your waist, thumb soothing over the fabric covered skin every once in a while.

Realising his cigarette had been left unattended for a while, Drew brought it up to his lips, inhaling deeply. A wordless conversation ensued between the two of you as he brought you closer, mouths inches from each other as he exhaled into your mouth.

The smirk was evident on his lips as you blew the smoke from yours in turn, quickly pulling you in once again - this time your mouths connecting in a speedy rhythm.

You struggled to keep up due to his height, stretching onto your tip toes even in the platform boots you had put on for this very reason. He realised this, laughing, eyes still closed and lips still next to yours as he decided to lean down further to meet you instead.

As the kiss grew more intense, tongues now making appearance and putting on a show for the whole street, his hands reached down (having long since threw the cigarette to the ground) holding your arse between his palms.

Sadly, your moment was put to an end as a relieved looking JD ran out of the clubs door, seeing the two of you.

He patted you on the back, a blush covering his cheeks - from the heat or the intrusion it was unclear - and said something to the two of you before leaving and giving you a moment to gather yourselves.

You both stood up fixing your postures and straightening each others clothes before you shared one final peck, soon after heading inside, hands entangled.

Soon after, the video was posted onto every single social media platform with the caption, Y/N L/N AND DREW STARKEY MAKE IT OFFICAL DURING STEAMY KISS OUTSIDE SOUTH CAROLINA CLUB.

If only they knew you had been dating for years and this was most definitely not the first 'steamy kiss' the two of you had shared.

[titleknown]

So, while I've talked about this in other posts, I figured I may as well compile it in one post with this nifty propaganda poster (more on that later)

Long story short, they're bringing back KOSA/the Kids Online Safety Act in the US Senate, and they're going to mark it up next Thursday as of the time of this post (4/23/2023).

If you don’t know, long story short KOSA is a bill that’s ostensibly one of those “Protect the Children” bills, but what it’s actually going to do is more or less require you to scan your fucking face every time you want to go on a website; or give away similarly privacy-violating information like your drivers’ license or credit card info. 

Either that or force them to censor anything that could even remotely be considered not “kid friendly.” Not to mention fundies are openly saying they’re gonna use this to hurt trans kids. Which is, uh, real fucking bad. 

As per usual, I urge you to contact your congresscritters, and especially those on the Commerce Committee, who'll likely be the ones marking it up.

Those senators are:

Maria Cantwell, Washington, Chair

Amy Klobuchar, Minnesota

Brian Schatz, Hawaii

Ed Markey, Massachusetts

Gary Peters, Michigan

Tammy Baldwin, Wisconsin

Tammy Duckworth, Illinois

Jon Tester, Montana

Kyrsten Sinema, Arizona

Jacky Rosen, Nevada

Ben Ray Luján, New Mexico

John Hickenlooper, Colorado

Raphael Warnock, Georgia

Peter Welch, Vermont

Ted Cruz, Texas, Ranking Member

John Thune, South Dakota

Roger Wicker, Mississippi

Deb Fischer, Nebraska

Jerry Moran, Kansas

Dan Sullivan, Alaska

Marsha Blackburn, Tennessee

Todd Young, Indiana

Ted Budd, North Carolina

Eric Schmitt, Missouri

J.D. Vance, Ohio

Shelley Moore Capito, West Virginia

Cynthia Lummis, Wyoming

Again, it doesn't work unless you do it en-masse, so make sure to call ASAP and tell them to kill this bill, and if they actually want a bill to allow/get sites to protect kids, the Federal Fair Access To Banking Act would be far better.

Also, this poster is officially, for the sake of spreading it, under a CC0 license. Feel free to spread it, remix it, add links to the bottom, edit it to be about the other bad internet bills they're pushing, use it as a meme format, do what you will but for gods' sake get the word out!

Also, shoutout to @o-hybridity for coming up with the slogan for the poster, couldn't have done it without 'em!