#is really notable
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fnord888 · 1 year ago
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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.
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turtleblogatlast · 6 months ago
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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.
#rottmnt#rise of the teenage mutant ninja turtles#rottmnt leo#rottmnt headcanons#rise leo#listen Leo loves his family SO MUCH#and like it’s no accident that Leo is consistently the one to give pep talks that#very notably#are less ‘everyone as a group’ and more ‘all of you individually’#it’s heartening to see honestly and like#it works with how he is as both a person and as a fighter#he knows people he knows them so well he knows how they work what they’re like#which is SO USEFUL for subterfuge AND portal/teleportation strategy#my guy is charming his charisma comes from his understanding of people at an individual level#when he wants to be he is very very good at that#he’s still a teen who is too cocky for his own good at times but that does not negate his stellar other moments#he can be selfish he can be mean he can be rude but when push comes to shove he is so quick to stand up for his family#Mikey’s statement at the end of the movie about how Leo NEVER gave up on THEM is so important because it’s not JUST about the movie!!#that’s Leo as a whole he will never give up on his bros#portal jacked is telling of this too because although it has a lot of comedic moments#never once does Leo stop looking for a way to get his bros back#they’re everything to him#he’s the face man he’s a people person and he’s the number 1 pet turtle which I will discuss the implications of in this essay-#Will also say that when Leo does these moments of standing up for his bros he’s never expecting praise for it#he’s just glad they find Raph he just smiles when Mikey tells him he loves him he never mentions defending Donnie#leo has a tendency to show off fancy glittery moves but his real actions and feelings are sooo much more lowkey#that you have to be actively looking for them to catch them all#and I really really like that about him it’s so interesting HE is so interesting
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ruporas · 2 years ago
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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
#vashwood#vash the stampede#nicholas d wolfwood#trigun#trigun maximum#another scars comic for one of the vw week days!!!! frankly i think about their scars WAY too often . most notably wolfwood's because#it really symbolizes a lot for him imo bc for vash it's a history of all the people that's ever harmed him betrayed him and the trust he has#given to humanity despite it all. its a beautiful reflection of his character and then u look at ww and presumably#since we dont really see him half naked Ever (shame) and i mean. i guess technically its a hc -- i assume he wouldn't have any scars bc#of the regen potions (which is why he doesnt have his t scars btw the regen pot took them away :pensive:)#in a way its like washing his hands of blood. giving him the body of someone who might never been involved in a fight never held a gun#but he knows thats not true yet he cant really do anything about it anyway bc he's still just human. if he stops taking the regen pots#he can't press forward. so its just a rinse and repeat and growing accustomed to whats inflicted on him because he knows it'll go away at#the end of the day. he's human but he's also not he's far beyond what could be considered a normal human but he still just is.#mortal but also not immortal. idk. i overthink about it a lot GMSKGMDK frankly i dont think it matters THAT much in the context of trimax#but it means a lot to me somehow. also thinking about how no matter how many times ww kills he's never numb to the sensation of it. maybe#the adrenaline gets to him for the beginning half but ive been rereading like.. vol 3? and that entire fight for ww#u can slowly see him spiral as he keeps on going on. anyway anyway. i love ww#ruporas art
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ardentpoop · 1 month ago
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Rob: When did you realize that the two of you had chemistry, that this was gonna work?
Jared: I felt it kinda instantly, ‘cause, you know, it was just [him] and me. You’re […] waiting to get summoned to walk two doors down the hall to the room with the thirty people that will decide your future… and so, you just kinda shoot the shit a little bit. And he’s like, [gruff voice] “So where’re you from?” And I was like, “Uhh, Texas.” He’s like, “Me too.” I’m like, “Cool.” And then he softened a little bit, and was like, “Who’s your team?” I was like, “Spurs.” He was like, “Alright, well. I don’t know about Spurs, y’know, I’m from Dallas, I like the Mavs. But alright.” He softened ever so slightly. Bristled a little bit at the Spurs comment. “So, uhh, you ever listen to country music?” I was like, “Pfft, do I ever listen to country music? I’m a Texan.” He’s like, “Okay.” Softened a little bit more, slightly. He’s like, “Uh, tell me about your family.” I was like, “Alright, well, I got an older brother, younger sister. What about you?” He’s like, “I got an… older brother, younger sister.” […] Ackles, to his credit, was like… “Well, shit. Let me ask some hard questions off the bat,” as opposed to like, [chipper voice] “How’s your day?”
Jensen: “I might have to put up with this guy for a few seasons.”
Jared: Yeah, “I might have to live with this guy, for the next, like, six years,” if we were so lucky. And I kinda did a similar thing - it’s been a while, but. If you have ten minutes before you have to get married to this person or not, you don’t wanna ask, like, “What’s your favorite color?” You wanna ask, like -
Jensen: Where’re you from. What’re your likes and dislikes. What’s your family history.
[Supernatural Then and Now podcast episode 1: Pilot. Published 1/24/22]
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Bunch of random John doodles I did during the strike
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(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
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nina-scribbles · 7 months ago
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Finally done with this piece for my 🪐🛸Space Au🚀🌌 !!!
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+ some bonus closeups on details i really liked 💕
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prolibytherium · 5 days ago
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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.
#I think people really really really need to get it through their heads that LGBT+ identities exist largely as an interaction with#mostly western gender norms and VERY specifically in our contemporary context and these labels do not objectively describe#innate underlying qualities neatly applicable to and distinctly separated in all contexts#Like there have always been men attracted to/who have sex with the people defined as men in their culture but that description#is not Always going to neatly match up to how you conceptualize 'being gay'#Or like. WRT the 'I will sodomize and facefuck you' poem. I saw people just absolutely WILDLY missing the point of it#at its face value of a man describing engaging in sex acts with other men and it's like. the message here is 'you are accusing me#of effeminacy and I am rhetorically threatening to exert my masculine dominance over you via penetrative rape to show you#who the real effeminate man is'. Like most people clearly at least got the message that it's intended to be insulting but like#it's not just that. It is straight up Normative Roman Masculinity (albeit notably aggro) and is not implying actual interest in sex#with men in a recognizably 'gay' sense#See also most arguments over 'was this '''woman who disguised herself as a man''' a trans man/lesbian/cishet woman escaping misogyny'#like YOU WILL NEVER FUCKING KNOW. JUST REFER TO THIS PERSON HOW THEY WANTED TO BE REFERRED TO AND STOP ARGUING#I think there's a very understandable drive to look to history to say 'see? we've always been here' but the mistake is trying to do that#for SPECIFIC identities defined in HIGHLY SPECIFIC AND CLEARLY SEPARATED ways.#Rather than as proof that yeah the western cis/heteronormative conceptualization of what sexuality/gender is and should be has#never been right and people who diverge from this (and from other cultural gender/sexual norms) have always existed
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faunandfloraas · 9 months ago
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bang chan: haha im gonna roleplay a nerd flirting on bubble
actual nerd flirting on bubble:
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sollucets · 7 months ago
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love for love's sake || episode five
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fauchart · 17 days ago
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So I caved, and I made a Simpsons OC, because of course. I blame my friends for having too much fun getting silly with them (ily).
Ann-Doreen Dale is just your usual Springfield resident, getting tangled in the many shenanigans of everyone else, usually a victim of circumstances rather than a driver of them.
Most of her episodes revolve around her 'housewife community' (my friends' OCs), and her sham of a relationship with Snake.
This woman was born to fail at life.
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sgt-dignam · 2 days ago
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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
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turtleblogatlast · 6 months ago
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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.
#rottmnt#rise of the teenage mutant ninja turtles#rottmnt raph#rottmnt leo#rise Raph#rise leo#I really do love this bit of character writing a ton#again it’s so small but like this is consistent!#little Raph just wanted to have fun with his bros 😭#Leo immediately coming in with the save both times (and more - remember Bug Busters?)#I really love too how none of them pointed fingers like#it was Understood that Leo would speak for them#listen there’s a reason Leo is the Face Man and it’s NOT just because he’s got a pretty face#he can talk both himself and his fam out of situations and I wish we saw it even more because it’s amazing to witness#circling back to Raph his bold nature is something I ADORE about him but I don’t see it brought up a lot which makes me so sad#like this boy is a RAPHAEL he is bold!!#and it’s cute too how the other bros immediately go along with it too#imo the Raph in these tot flashback is the same Raph that glues them all together as a bonding exercise#side note but damn…Leo saves them from punishment in the tot short and immediately gets jumped 😔#but yeah man I think a Lot about the little dynamics between the bros and how those dynamics could have first came into being#Leo being the face of the team and having been it since childhood-#-makes all the moments of immediately choosing to sacrifice himself when HE royally messes up all the more notable#if it’s one bro or the whole group individually he’s more chill about it but often still lets himself be the talker to get them out of it#he will do his damndest to get his brothers and himself out of trouble but once they’re in it he’s in the front with a smile#his own safety be damned#Raph is actually the same in that respect - he’ll jump into danger fists first but all bets are off when a brother is in danger#and like how Leo’s been the face - as the eldest Raph has been the de facto leader of sorts#he’s the one who is shown to make up their games! and I think that’s very cute#anyway their clashing in the movie is so interesting for a lot of reasons but one of them is that it shows how-#-even a longstanding dynamic like Raph and Leo’s that’s WORKED for so long is still susceptible to flaws…and to time
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sleepoutro · 2 years ago
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MCR north american tour full youtube recordings masterpost ✨
here's all the recordings/compilations of full shows i could find on youtube (some might be missing a few minutes/a couple of songs), plus a tiny bit of info on each video. ik these are probably all on the my chem archive dropbox but i didn’t have anything better to do lmao so here they all are in one tidy list. thank you to all the people who filmed these i owe you my life. (btw when i say right or left side of stage in this post i mean from the audience pov :D)
Oklahoma: Tony: filmed from ga
San Antonio: JYeahJasonJude: filmed from near barricade, with great zoom. Tony: filmed from seats, full stage view, phoenixrai: filmed from ga
Nashville: The Academy is My Beautiful Romance: compilation of different videos, streams, clips etc. ur internet boyfriend: filmed from back of the arena seats
Cincinnati: The Academy is My Beautiful Romance: compilation of different videos!
Raleigh: Yordoom: filmed from ga (this one has a really clear and fun view of the floor crowd in my opinion). dallon: filmed from seats, right side
Elmont: Alê Morais: filmed from high up right side. Mothman Multimedia: not a full video but a playlist of videos from the whole show, filmed from high up, center
Philadelphia: Electronic Beagle: filmed from high up left side. markit aneight: amazing quality!! deadhoarse: another great quality one, left side
Albany: The Academy is My Beautiful Romance: compilation :)
Uncasville: ConcreteRose: side of stage, right side. Kelush: filmed from ga
Montreal: Finnyfresh: instagram live uploaded to youtube, mostly filming jumbotron
Toronto1: Keandell Clyde Arcenal Pineda: filmed from floor seating, full stage and jumbotron view.
Toronto2: The Academy is my Beautiful Romance: compilation
Boston1: Full Sets: filmed from seats further away, full stage
Boston2: Cen's Jams: filmed from high up left side, stage and jumbotron in view most of the time. Blue Moon: Side/almost behind stage, frank's side. chaosangel42: filmed from seats on stage level, right side
Brooklyn1: The Academy is My Beautiful Romance: compilation
Brooklyn2: xZ3ROGRAVITYx: nice full stage view from the right side. Tom’s Archive: filmed from ga with a great zoom and some great quality shots from the jumbotron
Detroit: Bingop: filmed from further away, seats, Sheep: very good full stage view from the left
Saint Paul: Cool Concert Channel: filmed from ga, close to the stage
Riot Fest: Geoffrey Gardner: right-ish side of stage. phoenixrai: great quality. and kudos to both of these people for how stable the videos seem to be considering everything lol
Alpharetta: Blue Moon: close to stage, great quality
NJ1: phoenixrai: again, fantastic quality. deadhoarse: great quality, filmed from left side with a great zoom, so there’s nice variety in the shots. Tom’s Archive: close to stage, another great quality recording. Gothic Romance: just another great recording, more from the right side of the arena this time. nj1 had all the people with good cameras for some reason lol
NJ2: Tom’s Archive: Tom coming in with another banger. filmed from the pit, amazing closeups. ray toro is so beautiful. Andrea Warfel: filmed from further back in ga. Metal Love Collection: another great quality nj video, filmed from ga with a good zoom.
Firefly: alene b: good quality, just clips of last two songs. gems (loves frank iero): another nice quality one, good view of jumbotron most of the time
Sunrise FL: The Academy Is my Beautiful Romance: compilation!
Houston: Fredy Benitez: filmed from further back in seating
Dallas: phoenixrai: great quality, filmed from ga
Denver: Sudz’ Concert Recordings: filmed from further back but with a good zoom, nice full view of stage
Portland: The Academy is My Beautiful Romance: compilation!
Tacoma: SquawkyJo: full stage view
Oakland: The Academy is my Beautiful Romance: compilation!
Las Vegas: hearmenearme: filmed from left side high up. phoenixrai: great quality!
Aftershock: Elias Blake: divided into 2 parts, link is to part 1 :)
LA1: phanfanisonline: divided into 4 parts, link to part 1 :)
LA2: JMetalHead: filmed from right side high up
LA3: ray: filmed from pit, link is to part A. JMetalHead: filmed from right side high up. i love this person's reactions to their favorite songs haha RandomAspectsofLife: side of stage, frank's side (almost behind stage so you can see a lot of the crowd which i love!)
LA4: ray: filmed from seats, right side, full stage view + occasional jumbotron, link to part A.
LA5: Tina Sharp: full view of stage from the left side. deadhoarse: great quality, filmed from the right
WWWY2: StayThicc: filmed from further back, jumbotron in view the whole time. The Academy is My Beautiful Romance: compilation!
WWWY3: PichyTheReefCoralTheReef: full stage and jumbotron view
MEXICO CITY: we got our professional recording! uploaded by a lot of people but here is one link
and obviously a reminder that there are also a ton of amazing quality individual song performances on youtube, these are just the full show recordings! please lmk if you notice any mistakes, it's late when i'm making this lol. i'll try to add on to this if new videos are uploaded :) happy watching! edit: just to add, if you click on one of these videos and it turns out to be one of those that barely show ray at all just please click right out of there. i haven’t watched all of these through so please know that i don’t endorse that and find it weird as fuck to say the least
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elvisqueso · 6 months ago
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— "...What do you say to a tree??"
Pocahontas (1995)
Bonus:
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alphabetcompletionist · 10 months ago
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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
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philcoulsonismyhero · 9 months ago
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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)
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