It's a lot more complicated than that, and I'm not really the best to explain that. I don't really understand the math myself, but I do understand the basic idea they're explaining.

But I think of of the keys is, you have to look at a much larger patch. Like, everything in that image, plus a few more equally sized blocks, together, don't repeat.

Wasn't there a scene in Lucky Number Slevin where a degenerate gambler leaves his son in the car? Am I remembering this right?

Sometimes it baffles me why more people don't use illustrations or pictures to explain things.

#ELI5

See this??

I'd say that's ... three white birds high, and three white birds wide. You agree? There's like, nine complete white birds you can see. Right?

Now I tell you, that's a snapshot of a much bigger mural, painted on the side of a building.

Can you find out where that 3x3 birds section IS on that huge mural?

You probably can't, because no matter which section you focus in on in the mural, all you see are 3x3 birds.

Make sense so far?

The patterns made by the hats ... they don't repeat like that.

Take a look at JUST the darkest blue ones.. They don't really repeat like the white birds do.

And the math people who figured this out, realized that no matter how big the mural is, the dark blue hats in one section, do not resemble the same pattern of dark blue hats in any other section.

That should blow your mind.

So you didn't see the little stop sign.

Did you not see the giant yellow school bus, at a total stop, on a public road, in a travel lane? I see a stopped school bus, I instinctively slow down, especially if it's not in a parking lot, or on the shoulder.

Did you not see the red/yellow flashing lights on the very top of the school bus? Often, those come on before the bus even comes to a stop.

But I GET IT. You may have been a little distracted, and I can understand not seeing the little stop sign. And it's like, when you're approaching a stoplight and it turns yellow ... do you gun it or brake hard? And sometimes, you hit the brake and you could have made it through, and other times, you accidentally run a red light.

SO I GET IT. That's probably similar to what happened to you.

But I don't think the law will be that forgiving.

Are you kidding? There are far too many dude-bro guys who think what he did was hilarious. He's probably a celebrity among many, depending on the kinds of bars/parties he goes to.

I was there in the 90's too.

I remember when they put the traffic light in at the intersection where the Rite Aid is. They actually asked local businesses to help pay for its installation.

> upgrades to 422 and i676 off/on ramps around Reading

You mean I-176, right?

Prestige.

The more difficult a place was to reach, the more "street cred" the artist has. It impresses others in their artistic community. It lends an air of celebrity, it can make one infamous.

Some go to great lengths for this reason. Some plan such things weeks or months in advance. Many risk bodily harm, many risk fines or jail time, just for this prestige.

I once heard a proposal to move Tax Day to the day after Election Day.

At no point in the year are you more likely to vote, than the day after you have to pay your taxes.

At least, that was the idea.

If it makes you feel any better, I'm kind of with you.

My kid wasn't interested in sports, or choir, or any school clubs or activities. She came home, did her homework, and played Nintendo until bedtime.

But put the idea of actually earning money in front of her, and I wouldn't be surprised if she wanted to put in a few hours each afternoon at the register at McDonald's.

If her schoolwork suffered, yep, I'd pull her out of the job. Same as if her sleep suffered, or her mood suffered.

But I don't have a problem with a 15 year old kid working the register (not the fryer or the grill) or washing dishes at McDonald's. Especially if it's her desire to do that, and especially if the parents are keeping an eye on the situation.

For what it's worth, I tend to agree with you.

I was all for the guy. I was so happy he won.

But I knew that the stroke was not a good omen. I knew that stroke victims are often never the same. I knew that depression and emotional changes often occur.

So I always thought he was headed for worse. I knew it was coming.

It makes it all the more sad, because I really believed in what he stood for, and I was hopeful that he was going to make some great changes.

He still may. But the odds are not in his favor.

$350 just for the locks? I didn't pay that much for the car!

LOL

That makes me curious: How do banks in your country decide whether or not to loan you money? What criteria goes into their decision?

There must be some kind of record of your past financial history, right?

Thanks.

Try not to make guesses about how it works, though. Some of the decisions that go into your credit score might seem backwards.

I mean, some stuff, like "pay off all loans on time" is a no-brainer. But "how many credit cards I hold" and "how often I use my credit cards" doesn't always have an intuitive answer.

In other words, it's complicated.

If you want to know exactly what goes into your credit score, you have to do more digging.

The calculation of your credit score is quite complicated, and some of the decisions are not entirely sensible.

But think of it this way: If you use your credit card a lot, and you keep making the required payments, that makes you more trustworthy. If you NEVER use your card, then you never have an opportunity to "pay on time" (because you never charged anything), so they really can't tell if you're trustworthy or not.

ELI5

You go ask your next door neighbor to borrow $20 to fill up your gas tank to get to work. You've lived next to your neighbor for 10 years, and he knows you're pretty responsible, so he lends you the money. He trusts you.

But you find yourself short on gas next week too, and you don't want to bug your neighbor again, so you ask the mailman. Now, the mailman doesn't know anything about you, so he's got no reason to trust you.

But you tell the mailman, "Hey, go talk to my neighbor, he knows me really well, and I've paid him back many times, he'll tell you that you can trust me".

And so the mailman does this, and now he trusts you to repay the money.

It's the same thing on a bigger scale. You have a credit card. You pay your amount off every month, you never carry a balance. If you open a second credit card, the first credit card can now VOUCH for you. They will say "astajaznan pays off every month, he's trustworthy with money".

The same is true with car loans. If you pay your monthly payment every month without issue, then the bank will VOUCH for you if you want to get another car loan down the road.

The same is true for mortgages. And other lines of credit (where you are given money up front, with the expectation you pay it back).

If you're behind on some car payments, that lowers your trustworthiness. If you are always at your credit limit on your credit card, that lowers your trustworthiness.

Banks look at your trustworthiness to determine whether to loan you more money. Banks look at your trustworthiness to determine what interest rate you will have to pay when repaying a mortgage.

So ALL these institutions (car loan bank, credit card, mortgage bank) release all their information about your trustworthiness, to some central catalog. The central catalog keeps track of everyone's trustworthiness.

The central catalog has to "rate" your trustworthiness. You could do it on a scale of 1-10, or one to four stars, but they chose some other rating, that goes up to like 800.

That rating, that single number, is your credit score.

Now all banks have a easy way to tell, from a single number, whether it's risky to loan you money.

YES, PEOPLE, it's a lot more complicated than that. But this is ELI5, and this gets the job done.

Man, I get it. Really, I get what you're trying to say.

But just like "Kleenex" now means tissues (rather than just one brand of tissues) and "Google it" means "use a search engine" (even if you use Bing) ...

I think "Nazi" has lost its specificity. It now literally means "someone exercising authority with evil intentions", or something else generic like that.

Railing against that change in word usage will do you no good.

It's like, technically, you're correct, but nobody cares and everyone understands what the intent was.

I can't fathom how the cost of those robots is worth it. Sending an underpaid teenager up and down the aisles to look for spills has to be cheaper.

I'm no conspiracy theorist, but I'd believe you if you told me it was some kind of mobile loss prevention thing. The harmless robot is watching you.

> touchless washes so you don’t have to worry about your paint

Brushes may not touch your car, but the pressure coming out of those water jets often worries me too.

Something tells me those hanging cloth strips are less harmful to your paint than 40000 psi water jets.

I'm not a fatalist.

Even if I was, what could I do about it?

> So you dont steal the two-pin headphones

Not only that, but the last flight I took, they charged you a fee for using their headphones.

I just bought a cheap Amazon adapter.

Maybe it matters more on location, or state, but I think your number is too low.

I've looked at tons of homes in my region. Here's one. Most of them say the same thing this one does: Buyer's agent commission = 2.5%. If you hover over that, it says:

> The seller is offering 2.5% of this home’s final sale price to the brokerage or agent representing the buyer.

And you can bet that at least another 2.5% is going to the seller's agent too.

So for this case, it's a total of 5%, not 6%, but I've definitely seen it up to 6% before.

More information.

> Typically, real estate commission is 5%–6% of the home’s sale price. In most areas, the buyer’s agent receives 2.5%–3% in commission and the seller’s agent receives 2.5%-3% in commission. This can vary by agent and location.

Now, I admit, I've seen people make deals with agents. An agent friend might take 1.5% as a favor. Or you might talk an agent into taking less if you don't rely on them to do as much as an agent typically does. Or you can do away with those commissions altogether in a private party sale.

But what I'm showing you above, is the norm in the situations I've been. And this is the third home I've bought in my lifetime.

> They don't make a commission on your buying.

That's not true in my experience. Usually the seller's agent and the buyer's agent each get 3% of the sale price.

I'm renting right now, but shopping for a house to buy. So I'm not selling anything. I'm only buying.

I have an agent helping me look for a house to buy. He's shown me tons of houses that he's not selling himself.

If my agent didn't make a commission when I buy a house ... why the heck is he helping me at all??

Lemme guess ... in some cruel turn of justice, the victim will get charged with some kind of assault with a deadly weapon.