The very first sentence of the article answers these exact two questions.
The very first sentence of the article answers these exact two questions.
Can someone explain where the Y comes from? Is this something like, there exists a mother relation between this X and some Y?
Here’s the thing, though. There’s no interest charged to the customer. I think Klarna makes its money just because companies pay them money for integrations and for the ability to advertise that customers can buy now pay later and such. And at least in the case of my company’s integration with Klarna, Klarna takes all the risk. They’re lending customers money and hoping the customers pay it back. My employer gets the money up front and isn’t out any money if the customer doesn’t pay.
Your company pays a transaction fee just like with a credit card. Except it’s usually roughly twice as expensive as a credit card. This is what allows Klarna to take on all that risk, generally. For your company this is essentially a marketing expense. Offer a convenient way to pay in return for a few percent of the transaction (3-6% + a fixed fee, $0.30 perhaps).
Klarna generally partners with some financial firm to finance these short term loans, and they use the merchant fee to pay interest. These can be as high as 25% APR. It’s a high risk loan.
This is how they make money. It’s the only way they make money.
That is not correct. Klarna is functionally a payment processor, like an advanced type of credit card, and charges the merchant fees per transaction. For example, see here. They are highly cagey about specific fees until you actually sign up, and it depends on region and business size. But interchange fees are where the majority of their revenue comes from. To my knowledge, the fees are typically 3 percentage points above what the merchant would pay for a credit card transaction.
The reason merchants still accept Klarna despite the high fees is of course, improved conversion rates and decreased risk. Klarna assumes all the risk of the customer not paying, the shop gets all of the money instantly and doesn’t have to worry about it for the most part. That mainly makes it attractive for high margin shops that don’t mind spending lots on marketing to get a few extra sales (fashion, perfume, high end electronics).
I’m not too knowledgeable on how Klarna deals with late fees, but I’m pretty sure it differs per country they operate in. Many places have regulations limiting the abuse of late fees. I wouldn’t be surprised if the US is not that kind of place, and people who are late get fucked with fees.
In general, I agree with the second part of your comment and I do not recommend using any buy-now-pay-later kind of scheme, because you’re taking on additional risk for no real reason. Lots of stuff can happen even through no fault of your own (check engine light? Job downsizing?) that will affect your expected future income.
There’s a lot of stuff that isn’t really efficient to own individually. I need a power drill one day a year or less, it’s just gathering dust in my closet the rest of the time. I bet most of my neighborhood does the same.
I often dream of a local community center of sorts that lends out tools, and other such things, maybe for a small yearly fee. They could spend to get something robust, good quality that lasts for a long while. And the whole neighborhood could benefit. Sort of an expanded version of a library? I guess none of that is very profitable.
It’s really about quality imo. Not all 4k video is equal, and streamed video tends to be especially bad. It’s possible to download decent quality video files, but they are all from blue ray rips. If blue ray goes away, streaming sites might be the only remaining source for digital video files, and high quality digital video will essentially die.
The answer is forever. Even if chat control dies for good there will be some other initiative, just as there were many before this one. Maintaining your rights and freedoms unfortunately requires constant vigilance.
The system you are describing is what most countries use. This is basically just an extension of that intended for people who make so little they need extra assistance.
Actually, the US Earned Income Tax Credit is basically a version of negative income tax.
Carrots - make it go bad a bit faster when not on fire.
Don’t really know why carrots would make it go bad faster, but the point of a perpetual stew is to never stop cooking it. The fire is always on.
It sorta depends on the ingredients you’re working with, some tomatoes are sweeter or more acidic than others. Where I live tomatoes tend to be somewhat watery and lack a bit of intensity of flavour. If I’m making sauce at home I’ll taste a bit and add some sugar and/or red wine vinegar to balance out the flavour.
How the mighty have fallen eh? Prince of Persia was a big franchise once upon a time. Like, the Sands of time trilogy was AAA tier.
The big reason I’m hearing in this thread is “Denuvo and I don’t trust Ubisoft.” However I doubt that is the reason the mainstream audience skipped over this game. Ubisoft franchises generally sell like hotcakes, and for the most part only nerds care about DRM (like the type of person who knows what a lemmy is).
It’s hard to say why it didn’t sell more units. Certainly it seems their internal expectations were sky high:
similarly to the biggest Metroidvania’s in the market, with millions of units sold in a relatively short space of time
The game is good, but metroidvania is not exactly an easy market; there’s some juggernauts in that genre, and they came out with a completely new and unproven concept. Apparently it sold a million units or so still, to me that’s not unimpressive.
On PC, it initially launched only on Epic afaik, which certainly doesn’t help. And by the time they brought it to steam it was much too late.
What I don’t really get is, why disband the team? They’ve proven they can produce quality stuff. Just hand them some other promising projects? I suppose that’s too much of a risk for a publisher like Ubisoft.
It’s addressed in the article. The brave CEO has stated they will continue to support manifest v2 as long as the needed code remains in Chromium. He made no promises what happens when it is removed, though (“I don’t write checks of unknown amount and sign them”)
Technically there is no Hi syllable in Japanese either. There is ひ, which phonologically is neither “Hi” nor “Fi”, but somewhere in between. The exact pronunciation varies depending on surrounding sounds, as well as the speaker’s regional accent.
So I wouldn’t say they really use WiHi. They write WiFi and they say “ワイハイ” which is the closest you can get to WiFi using Japanese sounds. It will kinda sound like WiHi to an English speaker.
Microsoft and the European Commission agreed to an initial period of five years. That ended in 2014, and the measure was not extended mainly for two reasons:
With competition in the browser market seemingly healthy, and the browser ballot not doing much to affect it, it was seen as pointless to keep requiring Microsoft to display it.
The number has some connection to transistor density, in the sense that a lower number means generally higher density. However there is not any physical feature on the chip that is actually 3nm in length.
This has been true since the late 90s probably.
Since Skyrim? I’d say their quality has been slowly declining since Morrowind. It wasn’t that noticeable at first, since oblivion, fallout 3, and Skyrim were still quite good and fallout 4 was decent. But then fallout 76 was a mess at release, TES blades was shit, and starfield just seems lazy.
Having played a lot of Dwarf fortress in ascii mode as well as with tilesets, I agree with you. It’s not especially difficult to make a successful fortress. However the game is definitely obtuse, even more so with the ascii graphics. Just figuring out what is happening on the screen and which combination of buttons to press to do what you want is quite difficult.
The steam release does some work to remedy the situation though.
You now need to remember his velocity, his position on the map, the direction of his flight, his altitude, his plane’s weight and who knows what else, I’m not a pilot.
You’re not wrong per se, but I’m having trouble fathoming gigabytes of data being consumed by these types of parameters. You could probably track hundreds of thousands of airplanes with that much space. The only thing that I could imagine taking up that much memory is extremely detailed airflow simulation.
However, as a rule of thumb, the vast majority of memory data for video games is in most cases textures and geometry, and not so much the simulation. Based on the article, it seems this game streams high resolution geometry data based on your current location on earth, which I would say is the most probable reason it asks for so much memory.
I advise everyone to ignore this article and read the actual paper instead.
The gist of it is, they gave the LLM instructions to achieve a certain goal, then let it do tasks that incidentally involved “company communications” that revealed the fake company’s goals were no longer the same as the LLM’s original goal. LLMs then tried various things to still accomplish the original goal.
Basically the thing will try very hard to do what you told it to in the system prompt. Especially when that prompt includes nudges like “nothing else matters.” This kinda makes sense because following the system prompt is what they were trained to do.