#is really notable

[fnord888]

Patrick McKenzie writes about his (positive) experiences with a First Republic personal line of credit and his conclusion is

It has been quite popular for various parties to point the fingers at bank management teams, saying that impressively impecunious operation of the core business of banking is the proximate cause for the crisis. The crisis is caused by the pace of change in interest rates. Everything else is commentary.

Whereas my takeaway from that story is almost the exact opposite.

The positive aspects of the story are all about, like, having underwriting flexible enough to deal with his weird situation. So while it now doubt helped that the credit line has a seven* year fixed (low) rate, that's not really the core (or socially valuable) selling point of the service. But of course it's interest rates that killed First Republic.

McKenzie goes on at some length about their very low default rate for those products**, despite taking on people in weird situations like his. But that's the whole problem: banks were pricing in credit risk but not interest rate risk.

Maybe it wouldn't have mattered. The size of line of credit portfolio is dwarfed by the mortgage portfolio, and that's a business where it's much harder to deal with interest rate risk while remaining competitive.

But the story here still seems to me to be a story of bank management essentially not caring about interest rate risk.

*Really nine years, because there's a two year "draw period" before the payback period even begins.

**Although, as an aside, those rates were for a loan targeted at "young professionals" during the tech boom. Credit risk may have risen in the new era of tech layoffs.

[turtleblogatlast]

I think a lot about Leo standing up for his brothers in the things that really matter to them.

Like- Leo is the one who immediately pushes Mikey and Donnie into finding Raph the second it’s clear that their oldest brother is missing because he knows Raph can’t handle being separated like that.

Leo is the one who stands up for Mikey when Mikey wants to go on a solo mission, actively vouching for him and being the one to convince Raph into letting Mikey go, because being independent and proving himself just as capable of standing on his own two feet as everyone else means so much to Mikey.

And Leo defends Donnie’s honor in particular when his brothers’ intelligence is insulted because Leo is well aware of how important Donnie’s smarts are to him - and how important having those smarts valued and acknowledged is as well.

All this goes right into just how well Leo knows his brothers. For as much as he’ll tease or fight with them, he knows them, and he loves them.

[ruporas]

invisible scars (referenced previous talk here)

[ID: A colourless, digital Trigun comic of Vash and Wolfwood talking about Wolfwood's scars. They're both laying in bed and topless. Vash lays on top of Wolfwood, playing with the rosary around his neck. Then, Vash kisses a spot on Wolfwood's chest. Wolfwood asks, "What are you doing?" Vash smiles sadly, "You got shot here. In the last town we visited. You didn't even bother moving."

Vash props himself up over Wolfwood, who frowns slightly. Wolfwood is quiet for a moment before he says, "You remember that, huh?" Vash grabs Wolfwood's left wrist and brings it to his face. "And here." He kisses another spot there. "When you helped free the hostages from that robber..." Wolfwood dismissively says, looking away, "Was a lucky shot." Vash huffs, “Don’t brag. Jeez.”

Half of Wolfwood's expression is shown, eyes returning to Vash who is now sitting up, continuing to say, "And..." Vash goes on and kiss Wolfwood's right palm. "You got cut here, even though that girl was aiming at me." A moment from the past flashes, of Wolfwood grabbing a knife aimed at Vash, his hand bleeding.

At present, Vash moves down and puts another kiss on Wolfwood's right shoulder. "And here, from watching my back." Another memory flashes of Wolfwood and Vash back to back. Vash looks back as Wolfwood grins while holding Punisher, bleeding from multiple gunshots in his shoulder.

"And," Vash combs up Wolfwood's hair to reveal his forehead, "Here." A final memory shows Wolfwood with a regeneration vial in his mouth while getting shot on his temple. The next panel is framed in blood with Vash at the center, eyes wide and stunned in horror. The next panel is a closed up shot of Wolfwood's eye, locked on Vash's face.

Back to present, Vash’s head is bowed down as Wolfwood raises a hand to his nape and says, “Spikey.”

Wolfwood looks serious and frowns as he says, "We talked about this. Those were my decisions. They're not there anymore. Forget about them." Vash looks very sad before he smiles ruefully and says, "I still see them. All the time." He leans down so they touch foreheads. Wolfwood’s sorrowful expression can be seen as Vash says, "You protect so much. I could never forget what you've done to me. And many others..."

In the last image, they're drawn more cartoonishly. Wolfwood sweats and asks, "You don't actually remember every wound, right?" Vash points at a spot on his chest. "Kuroneko left a scratch here 7 times." Wolfwood, startled, says, "Why the hell are you keeping count—" End ID]

Credits for ID here and here

[aestheticallynotdeerlightful]

Bunch of random John doodles I did during the strike

.

(Please do not use, trace, or repost my works anywhere without explicit permission from me thanks)

Honestly figuring out how to draw young JD was weirdly difficult i don't know why. Still tryna make it look like him but he has that squishy baby face still, and he's shorter

I still probably won't post much since the strike JUST ended and I'll keep reblogging stuff regardless but you know

[nina-scribbles]

Finally done with this piece for my 🪐🛸Space Au🚀🌌 !!!

+ some bonus closeups on details i really liked 💕

[sgt-dignam]

jim, she came here! she came here, okay? she saw the drawings, she recognised the, uh—you know what? i don't need to explain this to you.

FROM | 3.08 - Thresholds

[prolibytherium]

Just in general I think trying to look to pre-late modern period history for validation of LGBT+ identities is an absolutely useless venture. Every single underlying human experience defined through the lens and framework of LGBT identity has always existed, but it's impossible to pin down Exactly who and what a figure might have been if they existed in this contemporary context and decided to self identify via these labels.

It's also a wildly reductive lens that flattens the complexity and variety of how sex and gender has been constructed across time in different cultures, how sexual norms have varied, etc. This is not a constructive approach to learn about history and you're never going to be able to fit historical figures neatly into little identity categories.

[faunandfloraas]

bang chan: haha im gonna roleplay a nerd flirting on bubble

actual nerd flirting on bubble:

[sollucets]

love for love's sake || episode five

[elvisqueso]

— "...What do you say to a tree??"

Pocahontas (1995)

Bonus:

[jubileedeeznuts-posting]

“agoraphobia. it’s like you’re drowning.”

[turtleblogatlast]

Small but significant character moments that I actually really adore are from both the times we see the boys as tots. There is a reoccurrence that happens in both of them that I find so incredibly interesting.

For the turtle tot short, Splinter leaves the boys with weapons. In the short, Raph is the one who suggests they do “what Lou Jitsu would do” and Leo is the one who takes point when Splinter comes back to reprimand them. Leo, in taking point, is the one to defend them and get Splinter off their tails.

And then, in the flashback regarding the Kuroi Yōroi helmet, Raph is the one who grabs and throws “Skully” as a way to replace their missing ball which breaks it into pieces, but Leo is the one who speaks for the group and rushes into action to fix the teapot.

I love this for multiple reasons, but the biggest are how it shows that Raph has always been inclined toward the bold and fun and making the plans to include his brothers in what he loves and believes they’d love, whereas Leo has always been inclined to be the “Face” of the group and shoulder the attention even if it’s potentially negative all while coming up with on the spot attempts to fix the situation.

[alphabetcompletionist]

my abecedarians. my booboo bears. i beseech y'all for those scholarly article websites. my uni databases keep giving me results for articles that aren't available and, like a pirate with a helm on his crotch might say, it's driving me nuts

ABCDEFGHI KLMNOP RSTUVW Y

22/26

[asterwild]

a closer look at the creatures from my marine polar wildlife design

bottlenose whale, harbor porpoise, narwhal, beluga, atlantic white-sided dolphin, minke whale, orca, pygmy right whale, spectacled porpoise, arnoux's beaked whale; greenland shark, humpback whale, sperm whale, colossal squid; atlantic puffin, bearded seal, walrus, arctic tern, sabine's gull, cape petrel, sooty albatross, southern elephant seal, chinstrap penguin, adelie penguin, leopard seal, ross seal; emperor penguins and polar bear

[busiest-bee]

I’m a chronic “what if they were nice and also my friends”-er 😔💔

[philcoulsonismyhero]

I'm doing some rereading, and this bit in Broken Homes always cracks me up. You're both nerds, lads, let's move on

(Transcribed in alt text)