I just bought a copy at Thrift Books! I'll have it framed.

Wow, it's a real book.

https://en.m.wikipedia.org/wiki/The_34th_Rule

I was coming to post the same. Those fucking clickers were so stupid and overpriced, all so my biochem professor could poll the class AND grade everyone on their results. Results to questions about material that was JUST taught in the same lesson. Good thing everyone benefits equally from lecture, right? Fuck that guy.

https://yourschoolgotwrong.com/ ?

Feeling this so hard as I trundle into my forties. I can't get enough bitter gourd.

After first seeing the term trans femme, I was very sad trans homme wasn't in use.

That's pretty much what they did anyhow, just with way more steps.

Have you installed it on an NES yet? Because that kinda happened: https://www.tomshardware.com/software/linux/you-can-sort-of-run-linux-on-an-nes-demo-shows-a-unix-like-os-running-completely-on-the-nes

This is true. It can be strived for, though, and there are strategies to overcome bias, increase impartiality, and identify bias in others. If the United States supreme court (and really its legal system too) had any integrity, it would champion doing so.

No disrespect perceived, you're fine. It may be a Southern thing too - my wife is from the South and she also associates it with the seemingly endless dog whistles of her life there.

I think of it as "taking number substitution back", or 20-14-19-2. We can't let fascists, Nazis, and general scum bags ruin everything.

"Fiscal conservative" was always just a reputable seeming veneer for "we'd rather let poor people die than tax the wealthy at the same rate as everyone else".

Everyone knows that geese are never silly, only hateful.

I had a high school girlfriend whose dad pulled that bullshit. I realized quickly that I didn't like her enough to deal with that level of crazy.

Because the Overton window in the United States has many people viewing fascists as friends and anyone further left than center right as "extreme left wing socialist communist Nazi terrorists".

Holy shit. I get it! That's a great explanation and I really appreciate your taking the time to type it all out. I'm glad we don't have Lemmy medallions to award but, if we did, I'd give you one. I now see how a 100% reserve requirement, i.e., all deposits completely backed in cash, would entirely change banking.

The only thing that feels weird to me is the virtual money the bank creates doesn't seem go away once it's paid back. For example, if a mini bank only had $1000 and lent $900 with a 10% reserve, they'd end up with $1900 once the loan is repaid (ignoring interest). Or does the $900 they lent create a -$900 for the bank that is cancelled through repayment?

I've been thinking about it and it still doesn't make sense. I'm a scientist, not an economist, so it's wildly out of my wheelhouse. Would you mind pointing me in the right direction?

Here's where I'm hung up. Let's assume a 10% fractional reserve and, for the sake of simplicity, just one bank and a dramatically simplified deposit/loan scenario, just to minimize the number of hypothetical people and transactions.

Person A deposits $1000. Bank lends $900 to person A which is sent to Person B.

Person B deposits $900. Bank lends $810 to person B which is sent to Person C.

Person C deposits $810. Bank lends $729 to person C which is sent to Person D.

Person D deposits $729. Bank lends $656 to person D which is sent to Person E.

Let's stop there. So we have one initial deposit of $1000, which has resulted in an additional $2,493 in deposits ($3,493 in total) and $3,095 in loans. The bank is now receiving payments, plus interest, on over 3x the amount of actual money it was actually given. To me, it seems like the bank is figuratively "printing money" and gaining interest on it. Nothing I've read on fractional reserve lending has suggested this is incorrect.

Halp!

Or work for free in prison, after which you may be saddled with debt for your stay.

I learned to pick locks in my youth. I absolutely have picked my way into places and things to fuck with friends and family, but I always tell them. At some point.

One of my favorites was getting into my friend's garden shed and turning everything upside down, then a few weeks later rearranging everything so it was a mirror image of how it was previously.

I'm always surprised how few people know about this. The banks are literally gaining interest on money they never had. It should be illegal.