#lending as a service market

[bitnest]

In the current rapidly evolving digital currency market, decentralized finance (DeFi) platforms are redefining the shape of financial services with their unique advantages. Bit Loop, as a leading decentralized lending platform, not only provides a safe and transparent lending environment, but also opens up new passive income channels for users through its innovative sharing reward system.

Personal links and permanent ties: Create a stable revenue stream One of the core parts of Bit Loop is its recommendation system, which allows any user to generate a unique sharing link when they join the platform. This link is not only a “key” for users to join the Bit Loop, but also a tool for them to establish an offline network. It is worth noting that offline partners who join through this link are permanently tied to the recommender, ensuring that the sharer can continue to receive rewards from the offline partner’s activities.

Unalterable referral relationships: Ensure fairness and transparency A significant advantage of blockchain technology is the immutability of its data. In Bit Loop, this means that once a referral link and live partnership is established, the relationship is fixed and cannot be changed. This design not only protects the interests of recommenders, but also brings a stable user base and activity to the platform, while ensuring the fairness and transparency of transactions.

Automatically distribute rewards: Simplify the revenue process Another highlight of the Bit Loop platform is the ability for smart contracts to automatically distribute rewards. When the partner completes the circulation cycle, such as investment returns or loan payments, the smart contract automatically calculates and sends the corresponding percentage of rewards directly to the recommender’s wallet. This automatic reward distribution mechanism not only simplifies the process of receiving benefits, but also greatly improves the efficiency of capital circulation.

Privacy protection and security: A security barrier for funds All transactions and money flows are carried out on the blockchain, guaranteeing transparency and traceability of every operation. In addition, the use of smart contracts significantly reduces the risk of fraud and misoperation, providing a solid security barrier for user funds. Users can confidently invest and promote boldly, and enjoy the various conveniences brought by decentralized finance.

conclusion As decentralized finance continues to evolve, Bit Loop offers a new economic model through its unique recommendation system that enables users to enjoy highly secure and transparent financial services while also earning passive income by building and maintaining a personal network. Whether for investors seeking stable passive income or innovators looking to explore new financial possibilities through blockchain technology, Bit Loop provides a platform not to be missed.

[mobiloitteindia]

Decentralized Finance Development Services Mobiloitte offers Defi development services that can help you create a custom Defi platform that meets your specific needs and requirements.

[3mindsdigital]

Our company specializes in providing impactful fintech solutions as a fintech design agency and fintech software development company, including app development, lending software, and UX/UI design for banking.

[cheesiedomino]

RentABoyfriend.com ꙳ ੭ * ‧

synopsis: you’re tired of being single so you to take an unusual route in helping with that— but what happens when you start catching real romantic feelings for your rental boyfriend?

genre: seo changbin x fem!reader | fake relationship/dating au wc: 5.1k tags/warnings: fluff, v minor angst, mild cursing, (kinda) nerdy changbin, use of pet names, mentions of alcohol usage, just overall very cute story dw <33

[this is part of my valentine’s series where i write a short story for each member surrounding themes of love, newfound romance, relationship hardships & more.]

“I have a date tomorrow guys.”

Everyone’s head instantly lifts up from their phones at this sudden announcement, collectively drawing their attention at you. You weren’t expecting all of them to gasp and swap such looks of genuine confusion. It’s starting to make you think maybe this situation was a lot more serious than you’ve bargained it out to be.

You couldn’t fathom it either honestly, the realization of you going out with someone probably won’t settle in until you’re physically on the date. Based on their initial responses though, you might regret everything you’re about to say, but it’s far too late to retract any of your statements now.

“No way.. with who??” Danielle is the first out of everyone to ask.

Taehyung chimes in as well, “Yeah, who’s the lucky person? They’ve gotta be something seriously special to be talking to you.”

Well, you suppose you could put it that way.

You already have a preconceived notion of what they’re going to think of this “idea”. Mentally preparing yourself to receive a flood of questions and critique from your close friends.

“Actually… I rented him. For the week.”

Now they’re all looking at you like you’ve officially lost it. The room got scarily quiet, no one wanted to be the first to speak. You should’ve anticipated on their reactions being like this, it isn’t everyday someone just openly admits to buying a partner online. Nowadays there’s a lucrative market for just about anything, when you stumbled upon an ad for this service called ‘RentABoyfriend.com’ you didn’t think much of it. You laughed the concept off at first, thinking how lonely people must be to buy someone else’s time.

But the ads kept popping up, they wouldn’t stop showing in almost every YouTube video you were watching— even one of your favorite YouTubers promoted them before! So one day you finally decided to check this website out, you wanted to see what the hype’s all about so you signed up just for shits and giggles. You weren’t expecting to actually be somewhat interested in trying this thing out, but after going through a couple different profiles and reading hundreds of positive reviews you were practically sold.

“You rented out a boyfriend..? Seriously ___? I mean, I’m not judging but you’re a gorgeous girl you can easily get a boyfriend without paying for someone’s companionship, I don’t see why you need to rent one.” Mark bluntly expressed his opinion, he was probably the most outspoken out of all of you guys.

Taehyung and Danielle both agreed in unison, it’s practically 3 against 1 at this point. You knew you should’ve waited to tell them but you weren’t anticipating on them being this judgmental about it. You were hoping for a little more support, as they’re all way more experienced than you in the dating scene and could lend some helpful advice about your first date, ever.

See, the thing is you’ve never tried dating before so you wouldn’t know the first thing about it or what to expect from your future partner. You’ve never had a boyfriend, let alone held hands or kissed someone of the opposite sex. Being in your twenties it’s kind of embarrassing to say you’ve never done those things, but you thought what better way to try it out than renting a full-on experience that can give you just that? Well minus the kissing part, but you can make it work.

You were skeptical of doing this whole ‘rent-a-boyfriend’ thing at first because you didn’t think there’d be anyone you’d find suitable enough. A big part of the reason that you’re still single is because you’re extremely picky, you want to date a guy who’s so perfect that he must’ve came straight out of an indie romance film. Your friends would tease you for having such unrealistic standards when it came to dating but you were the all-or-nothing type, you’ll be single with fifty cats before you settle for less. Renting a boyfriend is definitely an unconventional idea of easing into dating but you thought it might be worth a try anyway.

What’s the worse that could happen?

( 1 day earlier )

Hovering your cursor over the bold red text of the website, you read over the main rules before going on to select the person you want for your date.

‘The rules are simple:

You are allowed to see only ONE person at a time, if you want to switch boyfriends you’ll have to pay a $50 fee.

MUST be over 18 to rent a boyfriend, we have implemented an age verification system before the date as we do not tolerate anyone under this age to use our services.

NO kissing, or sexual intimacy allowed. If this is found out later on by our agency we will terminate your contract and ban you from using our services in the future.

Remember to have fun !! ^_^ Our services are great for people who are new to dating or have never been in a relationship. We provide the ~ultimate~ boyfriend experience to all our clients. Customer satisfaction is 100% guaranteed ! (NO REFUNDS)’

Well jeez… they seemed a bit strict but you can deal with those rules and restrictions for the most part.

After hours of skimming through hundreds of profiles, you have a hard time choosing which you like most. Did you want an artsy, shy kind of guy? The tattooed, bad boy aesthetic type? You really couldn’t pick one until you stumble upon a particular profile that catches your eye almost immediately.

SEO CHANGBIN | 168 CM | PART-TIME LIFEGUARD | 24 | *POPULAR ↝

5 Facts About Me: I’ve traveled to over 50+ different countries and counting (ask me which my favorites are), I can speak 4 languages (working on my fifth), love to sing and used to have a rap trio with my buddies from college, I can & will easily lift you up ;) also have a secret talent for cooking, there’s nothing I can’t do!

Why Choose Me? First of all, why not choose me? I’m the best candidate for whatever kind of date you need, something casual, social gatherings, weddings, you name it! I’m very social and can make most people laugh (unless they’re the literal Grinch reincarnated), I’m able to get along well with anyone and just love to have a good time. I hope we can get to know each other and make great memories in the future :)

Going through his pictures you couldn’t believe someone was capable of being this humanely attractive. Don’t even get started on those impeccable muscles either… He really had to sport them in every other one of his photos, wearing the tightest shirts to show the outline of his insanely sculpted frame. You might have just been mesmerized from his godlike visuals alone. They even had a Valentine’s Day deluxe package that comes with seven dates in total for half the price, which they specified was for a limited time only.

$600 later you’ve got a full week of dates lined up with the hottest guy you’ve ever seen in all your years of living. You should’ve definitely went shopping before considering all this because now you actually have a reason to get dolled up for someone.

You were so nervous about going on this date you almost cancelled last minute out of fear. Typing out several different elaborate paragraphs to Changbin on why you couldn’t make it. You didn’t have his real phone number, it was all through an app facilitated by the rental company that was included in the package. Even though you were feeling overwhelmed and practically shaking with anxiety about meeting up with a guy, you still forced yourself to go anyway. You didn’t just dish out all that money just to not show up and waste his time on top of all that.

Your rental boyfriend texted you the location to meet at, it was near a train station so you both could see each other out in a public open space. The outfit you wore was fairly simple, a black mini skirt with warm tights underneath and a cropped turtleneck sweater. You accessorized the look with some dainty jewelry, a thin scarf, and knee high boots to pull everything together. It wasn’t something you usually wore but you had certain clothes you saved for a special occasion like this.

Upon your arrival, you notice him standing near a vending machine and waves over at you with the biggest smile plastered on his face. You awkwardly wave back, giving a soft smile as you slowly walk up to him. He looks even better in person, you don’t even feel adequate enough to be in such a gorgeous man’s presence. No wonder he’s so popular on the site, he’s practically unreal.

“Hi, you must be ___. It’s so nice to finally meet you, might I add you look really beautiful today, I think you’re making my heart race just by looking at you. Happy Valentine’s Day!” Changbin introduces himself, buttering you up with some sweet compliments before handing you the most insane bouquet of roses you’ve ever seen.

You take the flowers and almost stumble backwards from how heavy they were, “Wow, thank you!” Changbin prevents you from falling, quickly coming up behind you to get your balance back.

“Careful honey, can’t have you injured on our first date!” He voices with concern, “I hope you love the idea I came up with, I’ve only been to this place once before but I’m sure it’s still as fun as I remember it, let’s go!” Eagerly grabbing your hand to begin the journey, he turns around again to examine your body language.

“You seem a little tense babe? Do you need a massage?” He asks in a concerned tone again, this is all really beginning to freak you out. You know this is what you signed up for but this was all starting to feel a bit too personal, all the nicknames and sweet talk he’s giving is just something you aren’t used to.

“Uh, no! It’s o-okay.” You shook your head, denying anything suspicious going on. Truth be told you were barely able to contain your composure right now.

Changbin keeps on insisting, “The massage is included in the package so you don’t have to worry about getting charged extra.”

“N-no it’s okay, really. I’m just nervous that’s all, sorry I just don’t meet up with guys…” you shyly admit, finding it hard to look him in the eye.

He nods in understanding, “No need to be nervous with me sweetheart. I’m here to make you feel as comfortable as possible.” The smile he flashes at you instantly makes you warm on the inside, he seems like a genuine, caring person. You think things might go well for you after all.

The rest of the night was full of only good vibes and laughter by the end of it all. Changbin took you to an adult arcade that had old video games like Pac-Man, Super Mario, and Space Invaders, the other side was a bar where people could sit, drink, and socialize. He bought all your drinks that night, let you use up most of his tokens and overall had the most fun you could’ve ever had with someone. He was so easygoing but also knew when to act super caring and would be all lovey dovey with you. He was gentle, nurturing, and could have conversations about anything. You loved that he’d randomly drop some interesting fact you never knew about, or talked about a certain niche topic that he’d go on multiple rants over. It didn’t feel like you were renting someone out to date you, it felt natural— like you’ve known him for longer than a couple hours. Changbin walked you home and held your hand the entire time, along with the flowers he provided a teddy bear and a heart shaped box of chocolates. If that didn’t scream boyfriend goals then you don’t know what does.

The next day you wake up to Changbin blowing your phone up this morning. You had over 26 messages from him, which was pretty excessive in your humble opinion. The first thing he said was good morning then he goes on to express how fun yesterday was and he can’t wait to do it again. He even sent a couple mirror selfies of him at the gym, ‘conceited much?’ You thought. But then again, if you were Seo Changbin you’d probably be full of yourself too.

For today’s date you wore a pretty red sundress that made your skin glow in the sunlight. It’ll definitely get him to compliment you even more— which you secretly love when he does. Changbin calls you before he heads out to the date, letting you know how excited he is to see you again. You couldn’t stop smiling like an idiot on the train as you made your way to the destination, thinking about what he’s planned for you two next. This time you’ll be meeting up at a park but you still have no clue what you’re doing.

Changbin texts you where exactly he is in the park, it was pretty huge so it took you a while to get to him. As you get closer you see him sitting on a large blanket by the lake, on top of it were a bunch of different foods and snacks scattered all around that came out of a huge picnic basket. You were speed walking at this point trying to get to him. His arms opened out for a hug and you lean right into him, what you didn’t expect was for him to suddenly stand up and lift you in his arms to swing around you like a doll.

“Put me down I’m scared of heights!” You squeal out in fear of being too high up in the air. Maybe you really should’ve taken the bio on his profile more seriously when he mentioned certain things.

Finally putting you down after minutes go by of you protesting, Changbin sits you back onto the blanket. He brought an assortment of breads, cheese, fruits, lemonade that he made himself and a couple seltzers. You’ve never seen anyone put such time and effort into a date before, even being here with him is like living in a daydream. He was definitely succeeding in making you feel comfortable, which is something you never thought was possible with men. He actually took his time getting to know you and didn’t sound arrogant whenever he talked about himself, Changbin was so different than other guys who’ve tried hitting on you in the past. He was actually respectful, intelligent, and could easily carry a conversation without long, awkward pauses.

He was literally everything you’re looking for in a guy. But you’ll be seeing him for this week only then it’s bye bye forever. That revelation makes you a little upset, but you try pushing those thoughts in the back of your mind. It’s irrelevant and unnecessary to think about. Yet you can’t help but wonder about certain things though, wanting to know more about his job and what it’s like on a daily basis for him.

“Can I ask you something? I need you to answer it honestly.” You say out of nowhere, hoping that didn’t come out as weird as you thought.

Changbin nods, “of course, shoot.”

“How many clients do you usually get?”

This question definitely catches him off guard, he’s never really been asked this before and he’s debating on if he should as it might be a breach of privacy.

“I don’t think I can answer that, sorry.” He responds in the nicest way possible, but deep down he wants to know why you’d want to know how many other people he sees a day.

You were going to push him a bit more to try and get an answer but you decide to let it go and just enjoy the rest of the picnic. You didn’t want to bring the mood down with your odd questions and/or end up making him feel so uncomfortable that he won’t want to see you anymore. It was definitely something you shouldn’t have asked but you were curious to know anyway. Overall besides that small incident, you had another wonderful time with Changbin and couldn’t wait for tomorrow to come any faster.

Changbin had a foolproof way of getting you to blush like a giddy high school teen whenever he texted you. He’d always refer to you as ‘pretty girl’ or ‘princess’ which gave you insane amount of butterflies. You loved how clingy he could get and would double text when you don’t reply fast enough, always needing constant attention from you which you never minded giving.

He texted you at around three in the afternoon, proposing his next plan for today’s date.

‘Let’s go out for drinks tonight, it’s all on me ;)’

You liked his message, replying that you’ll be there and put a series of hearts at the end. Speaking of hearts, yours is fluttering at high altitudes from the way you can’t stop thinking about your “boyfriend” Changbin. This has been better than anything you could’ve expected, you never want this week to come to an end. It’s only been three days but you’ve begun to grow feelings for him, they weren’t too strong just yet but they were most definitely there. You couldn’t let that halt you from having a good time tonight, you’ll have to accept it soon enough he’s not your actual boyfriend. He’s doing this because you paid him to, if it wasn’t for your money he wouldn’t be here right now.

‘This relationship is purely transactional’ you unfortunately keep reminding yourself of the reality you’re in. Psyching yourself out of this sudden somber mood that’s consuming you, distracting your pessimism by raiding your closet for some cute clothes to wear tonight’s date. After what seemed like hours of tearing your entire room apart, you decide to settle on this sparkly black mini tube dress, pairing it with a leather jacket and more platform shoes because you’re obsessed with feeling tall. Once it’s 7 PM you head out to the bar you’re seeing Changbin at, he was already waiting for you inside the place. Eyes instantly lighting up when he sees you coming towards him, just like he always does he motions for a hug, pulling you in tightly like he hasn’t seen you in years.

His hugs felt so cozy, like sitting in front of the fireplace on a crisp, snowy winter’s evening. You never wanted to escape the warmth of his arms, it was one of those forms of physical touch that felt so overly personal to you. The thought of him hugging someone the same way he hugs you slightly enrages something in your spirit but again, it isn’t your place to get genuinely upset over him doing his job. You’re not entitled to him exclusively, but you feel like if you keep this up feelings will only continue to develop. This wasn’t something you considered when going into this and now you feel like you’ve just made a huge mistake.

“You okay babe?” Changbin notices you acting a bit strange, choosing not to pursue it after telling him you’re fine. He knows something’s wrong but doesn’t want to mess up the flow of the date, instead he orders a drink for the both of you and switches on to a lighter subject. “Let’s go shopping tomorrow at that new centre that just opened last week. I need to buy some new AirPods, I accidentally lost one of them in a taxi..”

“Sure,” you nod at his suggestion, in desperate need of some new clothes anyway. “Sorry about your AirPods, that sucks!”

He takes a sip of his bubbly drink that’s now on the table, “Eh, it’s okay this is probably the fourth time this has happened so far.” This has pretty much become a regular occurrence for him by now.

As the date progresses, things continue getting better. You’re both laughing, engaging in much deeper conversation than ever before. You definitely had more than enough alcohol in your system by now, feeling congested and claustrophobic as more people came into the bar. Changbin takes note of your discomfort and asks if you want to get some fresh air outside, you wasted absolutely no time to agree.

While you two were outside continuing your chat about some wild conspiracy he read about online, Changbin’s attention was soon drawn to a different building nearby. Gazing up in confusion at his sudden outburst of excitement, you wonder where he could be leading you next.

“Noraebang!” He shouts loud enough anyone miles away could’ve heard that, he’s now grabbing your hand to frantically drag you along with him.

You were never one to carry a tune but Changbin was actually very good at karaoke and singing in general, he had such a lovely voice. You could seriously listen to him sing all night— which you basically did since you kept begging for an encore until it hit 4 am. That’s when you both decided to finally call it a night, you wanted to pay for the Uber since he’s paid for all the drinks and every other expenses for today. You felt bad because you were the one renting him to be your boyfriend yet he’s constantly shelling out money left and right. He still insisted on paying and ultimately won the whole debacle, making you swallow your pride and get into the Uber with him. Changbin’s definitely not just someone you’re going to forget about after this week is over. You dread the day this all comes to an end, wishing there was a way to relive these moments again and again.

“I’m a little under the weather today, sorry I can’t make it Binnie.” Your voice is hoarse from coughing and unbearable throat pain. You’ve already consumed half a bag of cough drops, throat lozenges, and random cold medicine you’ve found in your cabinets.

He sounds mildly disappointed, but springs back up with a new proposal, “I can come over and bring some soup if you’d like!”

You appreciate his gesture but still refuse, you know he’s only saying all this because he has to, not because he wants to. “N-no you don’t have to, I’m sure you can go see other clients today. One less person to worry about right?”

The call went silent for a minute, he wasn’t quite sure how to respond to such a deprecating comment.

“I don’t want to see other clients, I want to see you ___.” He sighs, unwilling to give up so easily, “I’ll be at your place soon, m’kay?” He hangs up before you could even respond or say no again.

You had no choice but to wait for Changbin to show up now. Before you got sick, the last two dates you went on were debatably the best so far. You had gone out shopping together, accidentally wearing almost the same kind of outfit. Changbin was wearing a white graphic tee with blue baggy jeans and you wore something practically identical. The two of you looked like a real, official couple and people would stare as you walked hand in hand, it really did seem like the perfect relationship on the outside.

You got even closer when he came over the following day, resulting in you two cuddling while watching movies and baking cookies. He’s expressed that he’s never been to another client’s home before but it wasn’t “technically” against any rules. The more you kept hanging out together, the harder it was coming to terms with the fact you’re actually falling for Changbin. He made every experience with you more exciting than the last, which he did exactly that night. When the cookies were done you fed a piece to him, making little airplane sounds as you do it, he eagerly takes a bite of the chewy treat and compliments both your efforts.

“These taste way better than I thought, oh my god they literally melt in your mouth. Try it!” He takes another cookie from the tray and feeds it to you this time.

There was something so overly domestic about that moment you couldn’t shake the feelings of wanting to kiss him right then and there. But you can’t. If you did such a thing you’d never be allowed to see him again, plus you don’t want to be known as that one creepy client who just couldn’t keep their hands to themselves. As you were cuddling on the couch though, things may have taken a turn for the better… or worse?

Changbin would “yawn” at the movie and subtly wrap his arm around you, he’d subconsciously pull you in closer and it didn’t make it any better that you were under the same blanket. You weren’t complaining at any of this though, you were pretty much in heaven. It took everything in you not to look up and stare, gluing your eyes to the movie that was displayed on the TV. But as the night progressed you were practically snuggling up with him like he was your real boyfriend. The way he’d run his fingers gently down your back, soothing you in a way that could lull you asleep. His touch was the most relaxing thing ever, you were so calm with him and loved how he brought a side of you that’s never been shown. After this encounter you can no longer deny the way you feel— you are officially falling deeply in love your rental boyfriend, Seo Changbin.

The sound of your doorbell ringing alarms you of a new visitor, who was none other than your “boyfriend” waiting patiently outside the door for you. You feel and look like death itself, coming downstairs to answer the door still in your PJ’s and hair a disheveled mess. Every five seconds was interrupted with you coughing your lungs out, barely able to speak above a whisper. Changbin looks thrilled as ever to see you, even when you clearly don’t look your best he’s still coming up to hug you tightly. His hugs are always blocking off your airways from the way his muscles squeeze you, it’s even worse when you’re sick— practically gasping for air.

“Sorry babyy, I just missed you so much. I couldn’t stop thinking about you all day and soon as you said you’re sick I dropped everything to go make you this soup. It’s a specialty I make whenever my friends are sick, the perfect remedy to cure my princess.” He goes into your kitchen to heat up the soup in your microwave, making you wait patiently on the couch as you’re wrapped up in multiple blankets.

Your body feels like it’s -2 degrees, you were freezing. The crazy thing is your thermostat was set to 80 degrees, it was definitely you that was the problem. He propped your feet up on the table, rested a tray in your lap and set the bowl of soup on top. Brushing a couple strands of hair out your face he looks at you intently, examining your symptoms as if he’s a doctor.

“It’ll be okay soon love, I’m here to nurse you back to health again. Can’t see my pretty baby sick like this, makes me all sad.” He pouts, giving you a soft head pat like you’re a delicate kitten.

He takes a spoonful of the hot soup, slightly blowing on it before telling you to open up so you can eat. You don’t know what’s gotten into you but you feel like he’s gone too far with all this. It’s not fair for you to continue on if it’s just become torture now. He’s practically dangling in your face that you’ll never have a partner as perfect as him in your life.

“I- I can’t do this anymore Changbin..” you say lowly, refusing to eat the soup he made.

“What do you mean? I’m just feeding you soup, it’s my duty as your boyfriend to-”

“This isn’t real… none of it is. I’m stupid for even doing this but I was lonely.. I’m sorry but I’d prefer something that isn’t temporary.” You cut him off to express your pent up frustrations, ready to be let down and rejected by him as gently as possible.

“Then let’s make it real,” he proposes without any hesitation, “honestly I stopped faking it around our third date, it was all me after that. I never said anything because well… this is my job and I’ve never fallen for a client before so this is still all very new to me..”

You’d be screaming right now if you weren’t sick, instead you’re internally freaking out at this confession, it feels like your hearts doing cartwheels and somersaults.

“Seriously?” Eyes widening as you look at him, suddenly your body heat rises and you know it’s not because of the soup or the layers of blankets that’s covering you.

He nods, “I thought it was kinda obvious when we kissed yesterday..”

Oh yeah… you forgot that did happen. You thought it was another fever dream you might’ve just made up in your head. You shared your first kiss with someone you deemed so special and important to you, someone you never would’ve guessed could come into your life and shift the entirety of your world like magic. There was no one else in existence you wanted more than Changbin.

“Doesn’t that mean you’ll have to quit your job? I don’t want to be the reason you stop making such good income.. I’ll feel so bad.” You knew deep down you didn’t feel that badly about him quitting to date you instead. It was just the thought of him leaving something he’s been doing for years behind all for some girl he’s known for simply a week.

He shrugs at your comment, “I’ll be just fine, I was planning on finding a new job soon anyway. It gets kinda old after a while, I felt like I was on autopilot most of the time. You were able to get me to open up and show my true self, I could never thank you enough for that ___.” Changbin couldn’t resist the urge to plant a kiss to your forehead.

After everything that’s been said and done. What you’ve come to understand is that love is learned, a development that takes time to grow and blossom into something extraordinary. Just like learning a new language or a musical instrument, we learn love from society and cultures we’re raised in, it’s a beautiful thing once we know how to cherish it. Your newfound romance with Changbin is something you’ll learn to cherish forever and ever.

[End <3].

[itberice]

"Generative AI offers a great opportunity to speed up making the extra assets to get more experiments live for more content that we are trying to promote.

We’re going to take it one step a time, starting simple and learning as we go. We have chosen to start with Doctor Who, as it is a joint content priority for both BBC Public Service UK and BBC Studios marketing teams. There’s a rich variety of content in the Whoniverse collection on iPlayer to test and learn with, and Doctor Who thematically lends itself to AI which is a bonus."

Ugh.

[aroaceleovaldez]

Part 2 response to this ask / [this post]:

For recent books, I think that it's less of a consideration of the audience and more a reflection of the general state of the publishing world currently. Disney as a company (which owns the publishing house through which Rick's works are published) is also in a weird spot right now and that is probably also lending itself heavily to why recent franchise stuff is the way it is:

A.) The franchise is basically guaranteed free money. Disney does this a lot with their properties. Star Wars and Marvel are great examples. They don't need to make something good, they just need to make literally anything and because it's such a massive franchise it'll sell regardless.

B.) One of their main focuses right now is clearly that JKR is in a bad spot and if they can fully dethrone Harry Potter as The de-facto middle grade fantasy series (cause PJO is fully number 2) that's going to be really good for them. Because it basically guarantees that PJO will be even MORE free money. That's probably part of why we got the show when we did, because HP was trying to move forward with an HP show. (And the HP show was probably announced when it was to directly try to compete with PJO) (Also don't forget, Disney also owns the PJO movies now. They don't need to do better than the movies because they're competing with themselves. In fact, by constantly pitting the show against the movies, they're basically doubling advertising for themselves by drawing attention to both.)

B.5.) Another thing is that if they dethrone HP, that's gonna not only hurt Universal, but SEVERELY hurt Universal PARKS, which is the Disney Parks' number one competitor. And the Disney parks are also in a tight spot right now and they REALLY want breathing room. (You might have heard that the Disney parks are doing a TON of cuts and reshuffling right now.) They don't need to actively put PJO stuff in their parks (yet), because just by taking out HP they'd massively injure what is basically the number one draw to the Universal parks (which is probably also why the Universal parks is expanding right now, particularly in similar avenues to how the Disney parks are expanding, re: more fantasy-focused areas and an emphasis on animated/Dreamworks franchises - Universal needs to be able to continue competing with Disney in the absence of HP, and it seems like they're panicking a little bit - so they're leaning more on their Dreamworks properties as Dreamworks becomes a significant competitor to Disney re: animation and otherwise just copying Disney's homework and also making more fantasy-focused park areas right now) and thus Disney would totally kneecap their primary competitor. That would increase draw to their own parks in the absence of a significant competitor and also then if they add literally any PJO stuff to the parks (which would be INCREDIBLY easy just due to the nature of PJO - especially as they cycle out older and less profitable IPs from the parks) then they'd basically IMMEDIATELY get a massive draw from what used to be the HP crowds - because a lot of those casual crowds do not particularly care about HP itself. It's entirely just that HP is the number one mainstream middle grade fantasy series. If PJO takes that spot then they'll just go to wherever PJO stuff is, because they're a passive audience, not an active audience (though Disney is also VERY much known for it's active audience and being partially responsible for making fandom as a concept mainstream and directly advertising to that market - tying back to the first post, lmao).

C.) Disney is DESPERATELY trying to save their streaming service. That's why it's so emphasized that PJO TV is a Disney+ series. Disney is kind of in hot water with investors because streaming services all across the board are tanking and Disney+ is a big one that's going down. That's why they're pivoting so much towards streaming and throwing literally whatever Marvel and Star Wars at it, because they know those are massive franchises that practically support themselves and any kind of draw to the platform is good. PJO is part of that - it's a massive well-established mainstream franchise with a passionate audience. It's practically a default classroom choice for assigned reading and that's free advertising/publicity. They know they can make a mediocre PJO adaptation and throw it on Disney+ and it will have a draw and that's all they need. They just want more eyes on the platform period to try and prove that it's profitable. Not to mention how we just explicitly know the CoTG trilogy only exists as marketing for the show. The recent books are not meant to be a continuation of the story. The actual content within them is literally irrelevant. CoTG trilogy only needs to exist so that it can bring more attention to the show (which is why it's being grouped in with the first series, because search engine optimization). TSATS only needed to exist to get people to stop being mad at Rick/get distracted from his little PR disaster.

Disney has also been doing a lot of cost cutting with their media recently, particularly also relying on their own brand to make new stuff profitable because they're actively looking for cheap solutions instead of making new things. They don't do 2D animation anymore because 2D animation is more expensive because it's unionized. 3D animation has also since become unionized and yknow what they're doing now? Shifting to live action. Shifting to CGI, which is only starting to become unionized because it's newer. They're making one billion live action remakes of existing properties because those properties are profitable and a live action remake is cheap. They don't need to worry about making it good because press is press and they know it will sell regardless. They can cast some popular actors for some default attention and leave it at that (Hi LMM cameo). Even with their newer animated movies - Wish was entirely reliant on the fact that it was heavily drawn from other Disney properties and they used that as an active selling point. Meanwhile they're intentionally tanking other new projects (see: Strange World) because they want to be able to turn around and say projects like that aren't profitable and aren't worth making. (This isn't a conspiracy theory btw, they do intentionally flop certain movies. This is a regular thing Disney does and they've been doing it for a while.) This type of cost-cutting strategy is very clear with the PJO show - they have this absolutely massive budget that isn't reflected in the end project at all. It's extremely clear to anyone with anyone with eyes that they're majorly cutting corners all the time (blatantly avoiding even slightly more complex CGI cause that'd cost money, CGI that is shown is often extremely cheap looking or rushed, reusing assets for Olympus, speeding through certain scenes, very little done with costuming - ever notice how all the costuming in the show looks way too new? The costuming department is supposed to weather even just basic outfits to make them look worn-in and they don't seem to have done that. - poor lighting to obscure details because actually making it look good costs more, etc etc) and the show is poorly produced. They have the money to do it properly. Someone is pocketing that. Usually it's executives. This is not unusual behavior! I would not be surprised at all to hear if it was the case with PJO TV too!

Tl;dr: I don't think the quality of recent books going down is because they expect the books to have a shorter pop culture lifespan, i think it's just a combo of the current publishing industry overall dropping in quality and Disney being Disney and not caring beyond saving their own butts and making a quick buck.

[mostlysignssomeportents]

Intuit: “Our fraud fights racism”

Tonight (September 27), I'll be at Chevalier's Books in Los Angeles with Brian Merchant for a joint launch for my new book The Internet Con and his new book, Blood in the Machine. On October 2, I'll be in Boise to host an event with VE Schwab.

Today's key concept is "predatory inclusion": "a process wherein lenders and financial actors offer needed services to Black households but on exploitative terms that limit or eliminate their long-term benefits":

https://journals.sagepub.com/doi/10.1177/2329496516686620

Perhaps you recall predatory inclusion from the Great Financial Crisis, when predatory subprime mortgages with deceptive teaser rates were foisted on Black homeowners (who were eligible for better mortgages), resulting in a wave of Black home theft in the foreclosure crisis:

https://prospect.org/justice/staggering-loss-black-wealth-due-subprime-scandal-continues-unabated/

Before these loans blew up, they were styled as a means of creating Black intergenerational wealth through housing speculation. They turned out to be a way to suck up Black families' savings before rendering them homeless and forcing them into houses owned by the Wall Street slumlords who bought all the housing stock the Great Financial Crisis put on the market:

https://pluralistic.net/2022/02/08/wall-street-landlords/#the-new-slumlords

That was just an update on an old con: the "home sale contract," invented by loan-sharks who capitalized on redlining to rip off Black families. Back when banks and the US government colluded to deny mortgages to Black households, sleazy lenders created the "contract loan," which worked like a mortgage, but if you were late on a single payment, the lender could seize and sell your home and not pay you a dime – even if the house was 99% paid for:

https://socialequity.duke.edu/wp-content/uploads/2019/10/Plunder-of-Black-Wealth-in-Chicago.pdf

Usurers and con-artists love to style themselves as anti-racists, seeking to "close the racial wealth gap." The payday lending industry – whose triple-digit interest rates trap poor people in revolving debt that they can never pay off – styles itself as a force for racial justice:

https://pluralistic.net/2022/01/29/planned-obsolescence/#academic-fraud

Payday lenders prey on poor people, and in America, "poor" is often a euphemism for "Black." Payday lenders disproportionately harm Black families:

https://ung.edu/student-money-management-center/money-minute/racial-wealth-gap-payday-loans.php

Payday lenders are just unlicensed banks, who deploy a layer of bullshit to claim that they don't have to play by the rules that bind the rest of the finance sector. This scam is so juicy that it spawned the fintech industry, in which a bunch of unregulated banks sprung up to claim that they were too "innovative" to be regulated:

https://pluralistic.net/2023/05/01/usury/#tech-exceptionalism

When you hear "Fintech," think "unlicensed bank." Fintech turned predatory inclusion into a booming business, recruiting Black spokespeople to claim that being the sucker at the table in the cryptocurrency casino was actually a form of racial justice:

https://www.nytimes.com/2021/07/07/business/media/cryptocurrency-seeks-the-spotlight-with-spike-lees-help.html

But not all predatory inclusion is financial. Take Facebook Basics, Meta's "poor internet for poor people" program. Facebook partnered with telcos in the Global South to rig their internet access. These "zero rating" programs charged subscribers by the byte to reach any service except Facebook and its partners. Facebook claimed that this would "bridge the digital divide," by corralling "the next billion internet users" into using its services.

The fact that this would make "Facebook" synonymous with "the internet" was just an accidental, regrettable side-effect. Naturally, this was bullshit from top to bottom, and the countries where zero-rating was permitted ended up having more expensive wireless broadband than the countries that banned it:

https://www.eff.org/deeplinks/2019/02/countries-zero-rating-have-more-expensive-wireless-broadband-countries-without-it

The predatory inclusion gambit is insultingly transparent, but that doesn't stop desperate scammers from trying it. The latest chancer is Intuit, who claim that the end of its decade-long, wildly profitable "free tax prep" scam is bad for Black people:

https://www.propublica.org/article/turbotax-intuit-black-taxpayers-irs-free-file-marketing

Some background. In nearly every rich country on Earth, the tax authorities send every taxpayer a pre-filled tax return, based on the information submitted by employers, banks, financial planners, etc. If that looks good to you, you just sign it and send it back. Otherwise, you can amend it, or just toss it in the trash and pay a tax-prep specialist to produce your own return.

But in America, taxpayers spend billions every year to send forms to the IRS that tell it things it already knows. To make this ripoff seem fair, the hyper-concentrated tax-prep industry, led by the Intuit, creators of Turbotax, pretended to create a program to provide free tax-prep to working people.

This program was called Free File, and it was a scam. The tax-prep cartel each took a different segment of Americans who were eligible for Freefile and then created an online house of mirrors that would trick those people into spending hours working on their tax-returns until they were hit with an error message falsely claiming they were ineligible for the free service and demanding hundreds of dollars to file their returns.

Intuit were world champions at this scam. They blocked their Freefile offering from search-engine crawlers and then bought ads that showed up when searchers typed "freefile" into the query box that led them to deceptively named programs that had "free" in their names but cost a fortune to use – more than you'd pay for a local CPA to file on your behalf.

The Attorneys General of nearly every US state and territory eventually sued Intuit over this, settling for $141m:

https://www.agturbotaxsettlement.com/Home/portalid/0

The FTC is still suing them over it:

https://www.ftc.gov/legal-library/browse/cases-proceedings/192-3119-intuit-inc-matter-turbotax

We have to rely on state AGs and the FTC to bring Intuit to justice because every Intuit user clicks through an agreement in which we permanently surrender our right to sue the company, no matter how many laws it breaks. For corporate criminals, binding arbitration waivers are the gift that keeps on giving:

https://pluralistic.net/2022/02/24/uber-for-arbitration/#nibbled-to-death-by-ducks

Even as the scam was running out, Intuit spent millions lobby-blitzing Congress, desperate for action that would let it continue to privately tax the nation for filling in forms that – once again – told the IRS things it already knew. They really love the idea of paying taxes on paying your taxes:

https://pluralistic.net/2023/02/20/turbotaxed/#counter-intuit

But they failed. The IRS has taken Freefile in-house, will send you a pre-completed tax return if you want it. This should be the end of the line for Intuit and other tax-prep profiteers:

https://pluralistic.net/2023/05/17/free-as-in-freefile/#tell-me-something-i-dont-know

Now we're at the end of the line for the scam, Intuit is playing the predatory inclusion card. They're conning Black newspapers like the Chicago Defender into running headlines like "IRS Free Tax Service Could Further Harm Blacks,"

https://defendernetwork.com/news/opinion/irs-free-tax-service-could-further-harm-blacks/

The only named source in that article? Intuit spokesperson Derrick Plummer. The article went out on the country's Black newswire Trice Edney, whose editor-in-chief did not respond to Propublica's Paul Kiel's questions.

Then Black Enterprise got in on the game, publishing "Critics Claim The IRS Free Tax Prep Service Could Hurt Black Americans." Once again, the only named source for the article was Plummer, who was "quoted at length." Black Enterprise declined to tell Kiel where that article came from:

https://www.blackenterprise.com/critics-claim-the-irs-free-tax-prep-service-could-hurt-black-americans/

For Intuit, placing op-eds is a tried-and-true tactic for laundering its ripoffs into respectability. Leaked internal Intuit memos detail the company's strategy of "pushing back through op-eds" to neutralize critics:

https://www.documentcloud.org/documents/6483061-Intuit-TurboTax-2014-15-Encroachment-Strategy.html

Intuit spox Derrick Plummer did respond to Kiel's queries, denying that Intuit was paying for these op-eds, saying "with an idea as bad as the Direct File scheme we don’t have to pay anyone to talk about how terrible it is."

Meanwhile, ex-NAACP director (and No Labels co-chair) Benjamin Chavis has used his position atop the National Newspaper Publishers Association to publish op-eds against the IRS Direct File program, citing the Progressive Policy Institute, a pro-business thinktank that Intuit's internal documents describe as part of its "coalition":

https://www.documentcloud.org/documents/6483061-Intuit-TurboTax-2014-15-Encroachment-Strategy.html

Chavis's Chicago Tribune editorial claimed that Direct File could cause Black filers to miss out on tax-credits they are entitled to. This is a particularly ironic claim given Intuit's prominent role in sabotaging the Child Tax Credit, a program that lifted more Americans out of poverty than any other in history:

https://pluralistic.net/2021/06/29/three-times-is-enemy-action/#ctc

It's also an argument that can be found in Intuit's own anti-Direct File blog posts:

https://www.intuit.com/blog/innovative-thinking/taxpayer-empowerment/intuit-reinforces-its-commitment-to-fighting-for-taxpayers-rights/

The claim is that because the IRS disproportionately audits Black filers (this is true), they will screw them over in other ways. But Evelyn Smith, co-author of the study that documented the bias in auditing says this is bullshit:

https://siepr.stanford.edu/publications/working-paper/measuring-and-mitigating-racial-disparities-tax-audits

That's because these audits of Black households are triggered by the IRS's focus on Earned Income Tax Credits, a needlessly complicated program available to low-income (and hence disproportionately Black) workers. The paperwork burden that the IRS heaps on EITC recipients means that their returns contain errors that trigger audits.

As Smith told Propublica, "With free, assisted filing, we might expect EITC claimants to make fewer mistakes and face less intense audit scrutiny, which could help reduce disparities in audit rates between Black and non-Black taxpayers."

Meanwhile, the predatory inclusion talking points continue to proliferate. Nevada accountants and the state's former controller somehow coincidentally managed to publish op-eds with nearly identical wording. Phillip Austin, vice-chair of Arizon's East Valley Hispanic Chamber of Commerce, claims that free IRS tax prep "would disproportionately hurt the Hispanic community." Austin declined to tell Propublica how he came to that conclusion.

Right-wing think-tanks are pumping out a torrent of anti-Direct File disinfo. This surely has nothing to do with the fact that, for example, Center Forward has HR Block's chief lobbyist on its board:

https://thehill.com/opinion/finance/4125481-direct-e-file-wont-make-filing-taxes-any-easier-but-it-could-make-things-worse/

The whole thing reeks of bullshit and desperation. That doesn't mean that it won't succeed in killing Direct File. If there's one thing America loves, it's letting businesses charge us a tax just for dealing with our own government, from paying our taxes to camping in our national parks:

https://pluralistic.net/2022/11/30/military-industrial-park-service/#booz-allen

Interestingly, there's a MAGA version of predatory inclusion, in which corporations convince low-information right-wingers that efforts to protect them from ripoffs are "woke." These campaigns are, incredibly, even stupider than the predatory inclusion tale.

For example, there's a well-coordianted campaign to block the junk fees that the credit card cartel extracts from merchants, who then pass those charges onto us. This campaign claims that killing junk fees is woke:

https://pluralistic.net/2023/08/04/owning-the-libs/#swiper-no-swiping

How does that work? Here's the logic: Target sells Pride merch. That makes them woke. Target processes a lot of credit-card transactions, so anything that reduces card-processing fees will help Target. Therefore, paying junk fees is a way to own the libs.

No, seriously.

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/2023/09/27/predatory-inclusion/#equal-opportunity-scammers

[theoutcastrogue]

A copyright lawsuit filed by several major publishers puts the future of the Internet Archive's scan-and-lend library at risk. In a recent appeal, the non-profit organization argued that its solution is protected fair use and critical to preserving digital books. This position is shared by copyright scholars, the Authors Alliance, and other supporters now backing IA in court.

The Internet Archive (IA) is a non-profit organization that aims to preserve digital history for generations to come. The digital library is a staunch supporter of a free and open Internet and began meticulously archiving the web over a quarter century ago.

In addition to archiving the web, IA also operates a library that offers a broad collection of digital media, including books. Staying true to the centuries-old library concept, IA patrons can also borrow books that are scanned and digitized in-house.

Publishers vs. Internet Archive

The self-scanning service is different from the licensing deals other libraries enter into. Not all publishers are happy with IA’s approach which triggered a massive legal battle two years ago.

Publishers Hachette, HarperCollins, John Wiley, and Penguin Random House filed a lawsuit, equating IA’s controlled digital lending (CDL) operation to copyright infringement. Earlier this year a New York Federal court concluded that the library is indeed liable for copyright infringement.

The Court’s decision effectively put an end to IA’s self-scanning library, at least for books from the publishers in suit. However, IA is not letting this go without a fight and last week the non-profit filed its opening brief at the Second Circuit Court of Appeals, hoping to reverse the judgment.

Support from Authors Alliance

IA doesn’t stand alone in this legal battle. As the week progressed, several parties submitted amicus curiae briefs to the court supporting IA’s library. This includes the Authors Alliance.

The Authors Alliance represents thousands of members, including two Nobel Laureates, a Poet Laureate of the United States, and three MacArthur Fellows. All benefit from making their work available to a broad public.

If IA’s lending operation is outlawed, the authors fear that their books would become less accessible, allowing the major publishers to increase their power and control. The Alliance argues that the federal court failed to take the position of authors into account, focusing heavily on the publishers instead. However, the interests of these groups are not always aligned.

“Many authors strongly oppose the actions of the publishers in bringing this suit because they support libraries and their ability to innovate. Authors rely on libraries to reach readers and many are proud to have their works preserved and made available through libraries in service of the public.

“Because these publishers have such concentrated market power [��], authors that want to reach wide audiences rarely have the negotiating power to retain sufficient control from publishers to independently authorize public access like that at issue here,” the Alliance adds.

This critique from the authors is not new. Hundreds of writers came out in support of IA’s digital book library at an earlier stage of this lawsuit, urging the publishers to drop their case. [...]

Copyright Scholars Back IA

In a separate amicus brief, several prominent legal and copyright scholars, many of whom hold professor titles, raise similar arguments. They believe that IA’s lending system is not that different from the physical libraries that are an integral part of culture.

“Libraries have always been free under copyright law to lend materials they own as they see fit. This is a feature of copyright law, not a bug,” the brief reads.

What is new here, is that publishers now assert full control over how their digital books are treated. Instead of allowing libraries to own copies, they have to license them, which makes it impossible to add them to the permanent archive.

“The major publishers refuse to sell digital books to libraries, forcing them to settle for restrictive licenses of digital content rather than genuine ownership. Moreover, publishers insist they can prevent libraries from scanning their lawfully purchased physical books and lending the resulting digital copies.” [...]

[mobiloitteindia]

Decentralized Finance Development Services

Defi is a decentralized finance platform that allows users to lend, borrow, and trade cryptocurrency without the need for a third-party intermediary. Mobiloitte offers Defi development services that can help you create a custom Defi platform that meets your specific needs and requirements. With our expert team of developers, we can help you launch a Defi platform that is secure, scalable, and easy to use.

[invisibleicewands]

Actor and debt campaigner Michael Sheen has joined calls for the government to pass legislation to help tackle the crisis of unaffordable credit and problem debt in the UK. 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 an event in Parliament on Monday, Sheen 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”.  

The event in parliament was organised by the All Party Parliamentary Group on Fair Banking, alongside the Fair Banking for All Campaign – a group including credit unions, Community Development Finance Institutions (CDFIs), fintechs, charities and policy experts who are calling for a Fair Banking Act to help increase access to affordable credit. MPs, peers and financial regulators were among the attendees. 

Lloyd Hatton MP, chair of the APPG, said:

“We need a Fair Banking Act to help increase affordable lending in every corner of the country, ensure small businesses have access to the financial support they need, and guarantee that nobody is financially excluded by the mainstream banks. Only then will we deliver sustained economic growth across the whole of the UK.”

Before the election, Labour announced that financial inclusion would be a priority for them in government, with plans being developed for a comprehensive national Financial Inclusion Strategy. The Fair Banking for All Campaign is calling for a Fair Banking Act to be a central pillar of this strategy, to help grow the responsible finance sector. The idea is based on a successful example from the US, where similar legislation has successfully increased access to financial services and support for people on low-incomes and from marginalised communities. 

As well as leading mainstream banks to improve their own provision of affordable credit for underserved communities, the proposed legislation would also incentivise partnerships between high-street banks and institutions such as credit unions and CDFIs, which are often best placed to provide tailored services that meet the needs of individuals and small businesses who have been turned down by larger institutions. 

Recently published research from the Fair Banking for All Campaign estimated that a Fair Banking Act in the UK could increase fair and affordable lending to individuals by £2bn a year – equivalent to the total amount owed to loan sharks. This would help to pull the rug out from under the illegal lending market, by providing people with a safe and affordable alternative when they’re in urgent need. Additional support to small businesses could create or maintain just under 10,000 jobs over five years, including in some of the most economically deprived parts of the country – where small businesses currently find it hardest to get loans from high street banks.

Robert Kelly, chief executive of the Association of British Credit Unions Ltd, was another of the speakers at the event. He said: 

“We need more humanity in our banking system. At a time when more and more people need access to affordable credit, their options are becoming more and more limited. People are being turned down by high-street banks because of their income level or credit score, and so they’re turning to high-cost credit or illegal lending. Credit unions give them an alternative. The sector continues to serve communities and employers across the country at record levels through the provision of ethical and responsible products and services. There’s so much demand out there for this kind of alternative – but we need a Fair Banking Act so we can grow to meet that demand, and help millions more people”

Theodora Hadjimichael, chief executive of Responsible Finance which represents CDFIs in the UK, said:

“Community Development Finance Institutions (CDFIs) invest into underserved places and people, unlocking potential for businesses, social enterprises and households. For economic growth to happen, we need lenders that get to know businesses and understand people’s lives, make fair lending decisions that take these into account, and offer affordable finance, and incentives to ensure that growing demand for affordable, ethical, credit can be met. That’s why Responsible Finance is part of the campaign calling for a Fair Banking Act”.

[hashtagloveloses]

inside you there are two wolves:

“i wish each season or even this entire show came out at once so people could discuss it as a finished work and not rip it to pieces week to week without the context of the full story the creators tried to tell”

and

“i wish this show came out week to week so it could truly be savored and cherished and discussed week to week and get the benefit of the snowball of word of mouth marketing instead of being dropped on a streaming service to flop or swim all at once and we forget about it in a week or two”

and i think some shows lend themselves better to one than the other and most of the time the streamers choose wrong.

[justinspoliticalcorner]

Ian Millhiser at Vox:

The Supreme Court delivered a firm and unambiguous rebuke to some of America’s most reckless judges on Thursday, ruling those judges were wrong to declare an entire federal agency unconstitutional in a decision that threatened to trigger a second Great Depression. In a sensible world, no judge would have taken the plaintiffs arguments in CFPB v. Community Financial Services Association seriously. Briefly, they claimed that the Constitution limits Congress’s ability to enact “perpetual funding,” meaning that the legislation funding a particular federal program does not sunset after a certain period of time. The implications of this entirely made-up theory of the Constitution are breathtaking. As Justice Elena Kagan points out in a concurring opinion in the CFPB case, “spending that does not require periodic appropriations (whether annual or longer) accounted for nearly two-thirds of the federal budget” — and that includes popular programs like Social Security, Medicare, and Medicaid.

Nevertheless, a panel of three Trump judges on the United States Court of Appeals for the Fifth Circuit — a court dominated by reactionaries who often hand down decisions that offend even the current, very conservative Supreme Court — bought the CFPB plaintiffs’ novel theory and used it to declare the entire Consumer Financial Protection Bureau unconstitutional. In fairness, the Fifth Circuit’s decision would not have invalidated Social Security or Medicare, but that’s because the Fifth Circuit made up some novel limits to contain its unprecedented interpretation of the Constitution. And the Fifth Circuit’s attack on the CFPB still would have had catastrophic consequences for the global economy had it actually been affirmed by the justices. That’s because the CFPB doesn’t just regulate the banking industry. It also instructs banks on how they can comply with federal lending laws without risking legal sanction — establishing “safe harbor” practices that allow banks to avoid liability so long as they comply with them.

As a brief filed by the banking industry explains, without these safe harbors, the industry would not know how to lawfully issue loans — and if banks don’t know how to issue loans, the mortgage market could dry up overnight. Moreover, because home building, home sales, and other industries that depend on the mortgage market make up about 17 percent of the US economy, a decision invalidating the CFPB could trigger economic devastation unheard of since the Great Depression. Thankfully, that won’t happen. Seven justices joined a majority opinion in CFPB which rejects the Fifth Circuit’s attack on the United States economy, and restates the longstanding rule governing congressional appropriations. Congress may enact any law funding a federal institution or program, so long as that law “authorizes expenditures from a specified source of public money for designated purposes.”

[...]

Notably, the Supreme Court’s CFPB decision was authored by Justice Clarence Thomas, who is ordinarily the Court’s most conservative member. The fact that even Thomas delivered such an unambiguous rebuke to the Fifth Circuit is a sign of just how far the lower court went off the rails in its decision.

Two justices did dissent: Justice Samuel Alito, the Court’s most reliable GOP partisan, and Justice Neil Gorsuch, who also dissented in a similar case that could have triggered an economic depression if Gorsuch’s view had prevailed. Alito’s dissenting opinion is difficult to parse, but it largely argues that the CFPB is unconstitutional because Congress used an unusual mechanism to fund it.

SCOTUS ruled 7-2 in CFPB v. Community Financial Services Association that the Consumer Financial Protection Bureau is constitutional, delivering a big rebuke to the ultra-radical right-wing 5th Circuit Court. The author of this ruling is Clarence Thomas.

[needlesscontrarian]

On this, the anniversary of the Mishapocalypse, I'm thinking about the Constantine show and how I will never get over it.

Matt Ryan was so perfectly cast that even after the show got canceled they kept him on as a voice actor for the animated films and kept finding excuses to put him in the other live DC shows because he was just that good.

But the show was never going to be a good adaptation of the comics because what makes Hellblazer so unique and great is how fucking weird it is. It captured the existential horror of 80s Britain and the confusing mess that is modernity. It was a rejection of neo-fascism and religious orthodoxy. It was a tribute to freaks and punks and the edges of society. There's a comic where Constantine uses magic to travel through the internet. There's a comic where the demon stock market crashes because Margaret Thatcher got elected and she was so evil that it caused runaway inflation. It's the kind of bizarre storytelling that you really only get from comics. There's a combination of the literary and the visual that lends itself to that kind of weird storytelling (I'm still blown away that the Sandman show turned out as incredible as it did because it has all the weirdness of Hellblazer and then some).

But really the reason why Constantine as a show was never going to make it was because of Supernatural. Supernatural borrowed so many concepts from Hellblazer. And there's nothing wrong with that. The producers are clearly super into that genre of comic and I think that's awesome. But the relationship that the show has with monsters and the divine is just directly lifted from a 1980s Vertigo series.

And then Constantine comes onto the scene at the height of Supernatural's popularity and it looks so so derivative of the thing that was cribbing off of its notes in the first place, with its trenchcoat wearing protagonist with a perpetual five o'clock shadow and gravelly voice. And because they wanted to appeal to the Supernatural crowd they sanded off so much of Hellblazer's original personality to make it more like Supernatural.

So instead of this washed up walking disaster who narrowly avoids death at every turn through a combination of charm, luck, and willingness to be a complete bastard, you've got hyper-competent magic detective with a spell or an artifact for every occasion. No longer do you have Constantine defeating a monster by making its multiple heads fight over soccer teams. Instead he's waving his hands around and throwing fireballs. When the thing that makes Constantine an interesting character is that he's shit at magic! He's always fucking it up and getting into trouble because he messes with things he isn't cut out for.

The worst thing about the Constantine show was that it wasn't bad. It was a totally decent adaptation of a great series. A few odd choices here and there, but ultimately serviceable. The worst thing about it is that someone had already made it 10 years earlier, filed off the serial number, and called it Supernatural.

[listen-to-the-inner-walrus]

Heads up to any UK folks, there are a bunch of places where there may be more racist riots happening today.

Not an exhaustive list but:

Bedford - Immigration Inn at 93 Ford End Road MK40 4JT, at 20:00.

Birmingham - Unsure about location (as a local I'd guess the Immigration Advisory Service on New Street but that is just a guess), expected to start at any point past 12:00.

Cardiff - Unsure about location or time unfortunately.

Chelmsford - Only seen things about the "Immigration Centre", they may be on about Immigration Accomodation Surveys Writtle on/in the Green CM1 3DU?, at 20:00.

Derby - Immigration Advisory Service on 195 Normanton Road DE23 6US, at 20:00.

Durham - Durham Town Hall, Market Place DH1 3NJ, at 18:00.

Glasgow - Apparently something is happening at The Roma Cultural Centre which is on 43 Nithsdale Street G41 2PZ, unsure about time.

Glasgow - Also at George Square, starting at any point past 13:00.

Hull - Conroy Baker Ltd which has an office registered in Norwich House 104, 1st Floor, 1 Savile Street HU1 3ES, starting at 20:00.

Lincoln - The Carlton Centre on 2 Carlton Boulevard LN2 4FJ, starting at 20:00. (This protest is planned for the Immigration Lawyer Services in The Carlton Centre which does not physically exist FYI).

London - UK Immigration Help in/on The Mille at 1000 Great West Road in Brentford TW8 9DW, starting at 20:00.

London - Immigration and Nationality Services at Foundation House, 4 Percy Road in North Finchley N12 8BU, at 20:00.

Manchester - Windmill Street and Mount Street, not sure about time.

Northampton - Zenith Immigration Lawyers at 2 Talbot Road NN1 4JB, at 20:00.

Nottingham - East Midlands Immigration Services at 15 Stonesby Vale NG2 7UR, at 20:00.

Peterborough - Smart Immigration Solutions at Laxton House, 191 Lincoln Road PE1 2PN, at 20:00.

Preston - All I got for location here is UK Border Agency which I can find no such place in Preston? If any locals can lend help here, that'd be greatly appreciated. Starting at 20:00.

Southend - MNS Solicitors at 2 Ditton Court Road SS0 7HG, at 20:00.

Walthamstow - Waltham Forest Immigration Bureau, 187 Hoe Street E17 3AP, at 20:00.

[hesbuckcompton-baby]

Notes on historical context

A huge part of fic writing in the HBO War fandom lies in historical research - I'm sure my writer friends can all attest to this - and it's personally one of my favourite parts of the whole process! As a result, I've decided to compile a few notes on the history used in my two current MoTA fics; I'm Your Man and Better Off

I'm aware this probably isn't interesting to a lot of people, but to any kindred spirits I hope you enjoy 😂

I'm Your Man

Frankie's hometown - Stratford-upon-Avon

Stratford-upon-Avon is a market town in the county of Warwickshire in the English West Midlands, which has existed as a settlements since the Roman occupation, but is particularly notable for being the birthplace of famous playwright William Shakespeare. The house in which Shakespeare grew up in remains a popular tourist attraction, evidencing visits from several notable writers including Charles Dickens and Lord Byron.

The Coventry Blitz

In Chapter 4, Frankie references the Coventry Blitz - a series of bombing raids between 1940-42, most notably on the night of 14th November 1940. In a single night, two-thirds of the city's buildings were damaged or destroyed, making it the most concentrated bombing of an English city in the entire war. In the aftermath, the word 'Coventration' was coined by Joseph Goebells to refer to the act of completely destroying a city through aerial attacks. I have spoken to people who lived in the towns around Coventry during this time who recall large groups of displaced families walking from town to town in search of shelter, as the destruction of housing was so extensive that people could not remain within the city.

Rationing

In the first few chapters, Frankie makes several references to the state of food rationing in 1943. Throughout the Second World War, food supply in the UK was severely limited due to its reliance on imports, and the economic state was so dire following the war that Britain continued rationing until 1954. Huge campaigns were introduced encouraging people to grow and supply their own food, and many commodities became unavailable due to shortages in certain ingredients. One such example was the production of Cadbury's chocolate, which had to be altered to 'Ration chocolate' due to milk shortages.

The Young Visiters by Daisy Ashford

In Chapter 7, Frankie is seen reading The Young Visiters, a hugely popular book published in 1919. The book's charm and popularity came from its author, as Daisy Ashford was allegedly only nine years old at the time of publication, and her unconventional writing and youthful misunderstanding of Victorian high society lend to the book's rather bizarre sense of humour.

Education

In Chapter 6, Rosie learns to his surprise that Frankie has not attended school since she was 14 years old. Under the 1918 Education Act, the school leaving age was raised from 12 to 14 years old, with high drop-out rates due to the inaccessibility of many schools to the working class.

━━━━━━━━━━━━━━

Better Off

The ATS

The Auxiliary Territorial Service was active from 1938, and operated as the women's branch of the British Army until it was absorbed into the Women's Royal Army Corps in 1949. The National Service Act of 1941 called for all unmarried women between the ages of 20 and 30 to join one of Britain's auxiliary services, and by 1943 nine of out every ten women were taking an active role in the war effort. Due to manpower shortages, many ATS women took on roles in radar and anti-aircraft defense, resulting over 700 casualties throughout the war. Most notable of the ATS volunteers was Princess Elizabeth Windsor (later Elizabeth II), who worked as a mechanic as well as driving lorries and ambulances.

The Manchester Blitz

The attack which killed Susie's sister Ellie was a part of a series of bombing raids known as the Manchester Blitz, which took place between 1940 and 1942. Manchester and its surrounding towns were key for war production, and as such targeted heavily by the Luftwaffe, resulting in approximately 1,000 deaths. The nights of the 22nd and 23rd of December 1940 were the most devastating attacks on Manchester during the war, with more than 450 tons of explosives dropped across the two consecutive nights.

Back-to-back houses

The home that Susie's family were raised in was part of a large wave of construction in the UK of so-called 'back-to-backs', designed to support the huge influx of working-class families moving into urban areas during the Industrial Revolution. Back-to-backs were built quickly and cheaply, and named due to their shared back walls, which saw one row of houses facing the street and another rear row facing either another road or an interior courtyard. These houses were often very cramped, with only one room per floor, and usually had two to three stories, occasionally with a cellar too.

It was rare for back-to-backs to accommodate indoor plumbing, with washhouses and toilets located outside in the yards. Due to poor living conditions, the construction of new back-to-backs was forbidden in 1909 after a report discovered mortality rates to be significantly higher than those of people living in other styles of housing. Waves of slum clearance before and after the Second World War saw the numbers of back-to-backs decline rapidly, and Leeds remains the only area of England that still contains large numbers of livable back-to-backs. The only surviving courtyard back-to-backs now exist in Birmingham, preserved as a museum.