#credit rating meaning

[entrepreneurbar]

Creditworthiness therefore forms a central cog in the wheel of the financial system, having a bearing on issues such as credit extensions and borrowing costs. It is evaluated by credit reports and credit ratings that are issued by the credit rating agencies. For instance, credit rating agencies use these assessments to measure credit risk and financial stability of companies, governments, and agencies that issue bonds and shares. Financial experts and business coaches stress the following challenges and criticisms, emphasizing the need for accountability and transparency of credit rating agencies. It is possible to contribute to the development of improved credit sustainability with the help of this concept, which will make the decision-making process better for borrowers and lenders and therefore strengthen the financial system in general.

[starchaserdreams]

I just remembered those commercials that said "Rated E for Everyone"

AO3 it's more like "Rated E for Everyone Better Take a Good Look at The Tags"

[gemsofgreece]

Guys we finally have a winner in the eternal battle...

[the-wise-mans-fear]

fighting with his WHAT

[michyeosseo]

So based on the interview going around twitter, the whole semi plot was phoebe's idea of a common MIL fantasy of your DIL loving and craving your approval? But the actual execution... yikes. it seems more like something Ted Bundy would dream. Like it was just the wish-fullfillment that the person who has been indifferent to you for years, hurting your feelings, is actually deeply obsessively in love with you! Then you get to be the cold and indifferent one to hurt them back.

P U T A N G I N A M O K A

*pinches my nose bridge* not you, anon. who deigned that psycho interview-worthy? get help asap

do click on that db write-up i linked, before you proceed please and thank you

flinched as soon as i saw @suika28 tweet that about 30 (?) minutes before the finale aired. that's me who admittedly has known her WILD history. the nerve to admit queerbaiting:

“they don’t have mutual liking of each other but rather, the mother-in-law hates the daughter-in-law’s affections. […] the homosexual story didn’t develop, don’t worry.”

i guess that's the one consistency im sunghan has. she does not care.

after all, when the production was still <durian fairy>, streets were saying it's a romance between the two and she put out a statement definitely disavowing that. the third teaser came out and, well, the seas parted; the sun was rising in the west! in a stilted ensemble, jang semi was the only one consistently getting to show development... and by that, i meant baek doyi was considering her confession every waking moment.

despite south korea being its usual meninist self, ~the couple with the epic love story~ from my perspective was thriving. such unconventional yet ardent affection resonating with its found audience. garnering international attention & support for the actresses who are both generous with the fanservice. fun times.

then, the nightmare aka the second half came out to be.

you already said it, doyi's tragedy / comphet heel turn 'twas all to hurt [semi] back. to insult decades of feeling unlovable. i'll walk it off, eventually, but that nasty backhand might as well be directed at me.

to be clear: i do not blame the characters, they were used as mouthpiece - puppets to im sunghan's innate, did-not-even-have-to-think-about-twice hatred of not just lesbians but women in general. nor do i blame the leads, they've evidently shown more enthusiasm to go beyond for semidoyi; how could they have foreseen the first half was just a sick dare?

makjangs are Not the place to go to if one wants some moralizing from a kdrama but who thinks funding sweeping harmful generalizations is all okay???????

[pepprs]

mutuals i got myself into a situation so sticky i don’t even know how to describe it (edit: *describes it* lol). please send thoughts of successful escape my way lol

[ryanthedemiboy]

Fuck guilt "activism" -- it makes you feel guilty for spending a penny on anything that isn't going towards a specific cause. Food? Guilt. It could go to children. Decent toilet paper? Guilt. Pizza? Guilt. Pet necessities? Guilt. Saving up for a necessary surgery? Guilt.

Making people feel guilty about shit does not an activist make. You can do great shit for important causes while also not making people feel guilty for existing.

[pebblezone]

succumbing to the illness. becoming a hater. anyway look at this building they’re fucking destroying

[touchmycoat]

Coworker: so how are you going to compile all the tests?

Me: what do you mean?

Coworker: I mean like, do you have all the tests?

Me: sure, I know what tests we’ve done.

Coworker: and you’re going to put them on a list?

Me: yeah.

Coworker: nice, that’s what I thought.

Me: ??????

[lys-jeorge]

.

[fortunelowtier]

Ok so i saw a post mentioning how Spindlehorse was hiring animators again, and i thought "huh yknow im really curious what the turnover rate of animators is in this studio" because i mean its a genuine question considering how i swear theyre hiring new animators every other week

So then i checked IMDB...

Before i go on i wanna put some context because its kinda needed for what im about to say:

On IMDB there's a section of the cast and crew page labeled "Series Animation Department". This is the section meant primarily for animators and storyboarders among other jobs in the same vein.

Now. Can you guess how many animators/storyboarders Helluva Boss has gone through in less than 2 seasons?

444.

That is four hundred and forty-four individual credits, a majority of whom didn't stay for any longer than a few episodes. I have never in my life seen an animator turnover rate this skewed.

But i saw this and i went "well it cant be that bad right, what about other shows?" because admittedly i didnt know a lot about animation so for all i knew this was normal. So i went to the IMDB pages of other animated shows

RWBY: 164 credited animators over 9 seasons

Murder Drones: 11 Animators over 7 episodes

The Owl House: 88 Animators over 3 seasons

Amphibia: 73 over 3 seasons

Steven Universe: 44 over 5 seasons

And just to be fair let's include Hazbin Hotel, which had 62 in 1 season

This means that for one reason or another Helluva Boss has gone through more animators in less than 2 seasons than shows that ran for SIGNIFICANTLY longer go through in their entire lifespan by several times and that astounds me

[digitaltechpro]

What is a Car Loan?

What is a Car Loan? Certainly! Car loans are a common way for people to finance the purchase of a vehicle. Here’s a brief overview: What is a Car Loan?: A car loan is a type of loan specifically designed for purchasing a vehicle. The borrower (you) receives a sum of money from a lender (usually a bank, credit union, or dealership) and agrees to repay it over time, plus interest. Terms and…

[probablyasocialecologist]

The economic indicators speak of nothing less than an economic catastrophe. Over 46,000 businesses have gone bankrupt, tourism has stopped, Israel’s credit rating was lowered, Israeli bonds are sold at the prices of almost “junk bonds” levels, and the foreign investments that have already dropped by 60% in the first quarter of 2023 (as a result of the policies of Israel’s far-right government before October 7) show no prospects of recovery. The majority of the money invested in Israeli investment funds was diverted to investments abroad because Israelis do not want their own pension funds and insurance funds or their own savings to be tied to the fate of the State of Israel. This has caused a surprising stability in the Israeli stock market because funds invested in foreign stocks and bonds generated profit in foreign currency, which was multiplied by the rise in the exchange rate between foreign currencies and the Israeli Shekel. But then Intel scuttled a $25 billion investment plan in Israel, the biggest BDS victory ever.  These are all financial indicators. But the crisis strikes deeper at the means of production of the Israeli economy. Israel’s power grid, which has largely switched to natural gas, still depends on coal to supply demand. The biggest supplier of coal to Israel is Colombia, which announced that it would suspend coal shipments to Israel as long as the genocide was ongoing. After Colombia, the next two biggest suppliers are South Africa and Russia. Without reliable and continuous electricity, Israel will no longer be able to pretend to be a developed economy. Server farms do not work without 24-hour power, and no one knows how many blackouts the Israeli high-tech sector could potentially survive. International tech companies have already started closing their branches in Israel. Israel’s reputation as a “startup nation” depends on its tech sector, which in turn depends on highly educated employees. Israeli academics report that joint research with universities abroad has declined sharply thanks to the efforts of student encampments. Israeli newspapers are full of articles about the exodus of educated Israelis. Prof. Dan Ben David, a famous economist, argued that the Israeli economy is held together by 300,000 people (the senior staff in universities, tech companies, and hospitals). Once a significant portion of these people leaves, he says, “We won’t become a third world country, we just won’t be anymore.” 

19 July 2024

[why-animals-do-the-thing]

I promised you some lions! Let's talk about manes, males, and management.

This is Tandie, the current male lion at the Woodland Park Zoo.

Notice anything odd about him? He's got one of those hilarious awkward teenager manes. Except... this cat is nine years old.

I was, of course, immediately curious.

Manes serve a lot of purposes for male lions, including being an indicator of health and fitness - it's actually a sexually selected trait and a social signal. Mane texture / hair quality / length is dependent on nutrition and the body having energy to grow (and carry around!) that much hair! The color is also a signal: males with darker manes have been found to have higher testosterone levels.

In one research report, wild males were much more likely to avoid a lion decoy when it had a longer or darker mane - but the girls really loved a dark mane. It's thought this is because a long, dark mane is an indicator of mate quality. Males with longer, darker manes have higher testosterone and were pretty healthy: meaning they had more energy for fighting, had a better chance of recovering if they got injured, and generally had a higher rate of offspring survival. Manes matter!

So, back to Tandie. He was actually born at the Woodland Park Zoo in 2014 alongside two brothers, to dad Xerxes and mother Adia.

This was Xerxes (rip).

Obviously, a very large, dark, lush mane on Xerxes here. So where did these blond muttonchops come from on his son?

I asked the zoo docents and got an answer that didn't make a lot of sense. They told me that after the three cubs grew into adolescents, they were moved to the Oakland Zoo together. But living together suppressed his testosterone, and he never grew a mane.

Hmmmm.

Here's a photo from 2016, when the brothers debuted at Oakland. They're a year and a half old in this photo.

(Photo Credit: Oakland Zoo)

And here's from an announcement for their third birthday.

(Photo credit: Oakland Zoo)

Okay, so these dudes obviously all were growing manes as of 2017. I think Tandie is the one on the left in the first photo, and laying down in the middle on the second. What happened?

I was just in the Bay Area for a zoo road trip, of course I went to Oakland and tracked down a docent to ask some questions.

It turns out that shortly after the brothers turned three, they started acting like adult male lions: they started scuffling regularly. It's a normal social thing for male lions to live in groups, called coalitions, but according to my lion experts there's generally a baseline level of some social jostling within them. It wasn't quite clear from what the docent said if they couldn't manage the boys together, or if they just wanted to avoid the scratches and small wounds that result from normal lion behavior. Regardless, they put all three of the boys on testosterone blockers in order to be able to keep them together as a social group.

Now, I don't know a lot about the use of hormone alteration as a form of captive animal management, except in the case of birth control. I don't think it's something that's unethical - there was just a webinar on it that I saw go by - but I don't think it's commonly done with big cats. Lions have kind of complicated reproductive cycles, and for instance, we've been learning that female lions can take much longer to come into estrus again than expected after coming off hormonal birth control.

In males, testosterone blockers (or being neutered) means they lose their manes. This is why a lot of rescues will do a vasectomy on their males instead of a neuter - it allows them to keep their mane and the social signals that accompany it.

Tandie returned home to Woodland Park Zoo after Xerxes passed in early 2022, and the docent told me all of the lions had been off their blockers "for while." I'd guess those things happened around the same time, since bringing the trio down to a duo at Oakland would reduce some of the social tensions.

Hormones are such interesting things, though. One of Tandie's brothers has a full mane again, and the other is still totally mane-less.

As for Tandie, his mane is growing back in, and it looks like he might rival his dad for length and coloration.

He started here, in February:

Yesterday:

What a difference four months (and maybe proximity to a girl) makes!