There's no lobbying necessary, because FICO isn't a government agency, its a private company. Why we have a private company determining such an important thing with minimal government oversight is certainly a question we could be asking.
That being said, there's an innocent explanation for this specifically. BYPL is pretty new as a common type of debt (became popular in the last five years). They're putting it into FICO 10. The last time they updated FICO was FICO 9 which was released in 2014, before that there was FICO 8 in 2008... a lot of banks are still using FICO 8 or even earlier models. Banks are slow to change, and FICO moves slowly because banks don't want their models upended every year. Fwiw if the government was more involved in this I doubt it would be taken into account any faster.
I tend to agree with you, but without a structure to incentivize people to produce such material, less of it will be created. If people can't pay the bills by doing research or writing, far fewer people will do it.
LA Drivers aren't that bad, driving just is awful there because the amount of traffic. NYC Driving is an absolute pleasure compared to Miami driving. I have what should be an easy ten minute commute and every day I am avoiding an accident due to a driver doing something crazy you would almost never see in another US city.
This is exacerbated by the dysfunctional government which is happy to let developers do whatever they want without regard to impact on traffic flow, while doing no investment in infrastructure itself. I'm generally pro-growth, and I think California goes too far with its restrictions, but living in Miami has caused me to gain some appreciation for the reason behind some of what California does.
Flooding is absolutely an issue, during the rainy season (third of the year) localized flooding is quite common. Some streets are partially flooded on an almost daily basis, something human drivers are used to but I imagine will pose a new challenge to waymo.
What this is really saying is that hardware is a necessary precondition for, but not determinative of, intelligence. If you have a human brain worth of neurons firing randomly you don't get consciousness. The structure and instruction set is crucial. And we are perhaps 20 years away from figuring out how to structure the compute power we have to get the consciousness of a human adult.
Pretty sure the military made it clear they aren’t launching any nukes, despite what the last President said publicly. They also made it clear they weren’t invading China.
Well, not exactly “we all”, just the citizens of the country in possession of the kill switch. And in some countries, the person in question was either not elected or elections are a farce to keep appearances.
The President of the United States has sole nuclear launch authority. To stop him would either take the cabinet and VP invoking the 25th amendment and removing him from office, or a military officer to disobey direct orders.
Are you under the impression the president can actually do it? It's not true, someone else at least needs to at least push another button. I'm 100% sure of what I said in regards to the USA, just not hidden nuke programs I wouldn't know about. No person in the USA can single handedly trigger a nuclear weapon launch. What he has authority to do is ask someone else to launch a nuke, and that person will then need to decide to do it.
Even the president needs someone else to push a button (and in those rooms there's also more than one person). There's literally no human that can do it alone without convincing at least 1 or 2 other people, depending on who it is.
The fact that the world hasn't ended and no nuke has been launched since the 1940s shows that the system is working. Give the button to a random billionaire and half of us will be dead by next week to improve profit margins.
Bikini atoll and the islanders that no longer live there due to nuclear contamination would like a word with you. Split hairs however you like with the definition of "launch" but those tests went on well through the 1950s.
