I read the one above as individual private debt, not government municipal debt.

Is that the one video of the Tesla driver? I’m pretty sure that was in Toronto.

Frankly, if people didn’t enjoy driving quick cars, more people would drive cars with 50 hp. That’s all you really need to go on the freeway.

I mean, I can’t talk, my car goes 0 to 60 in under four seconds, but practically, there isn’t a great mood for this.

If that’s remotely accurate, you can triple your income by simply transporting one car per month across state lines.

Sounds like a business idea!

But reading this thread, you’re looking for justification, not asking a question. Question is answered already.

The launches are in the northerly part of the state, but the real “Florida experience” is in the far south, quite far away.

The road trip down the coast isn’t amazing but it can be a fun drive if you take your time and stop at a few places along the way.

Another cosmonaut tried to close the valve on a different capsule later and said it took him 53 seconds.

The crew probably had less than 15 seconds of useful consciousness.

One of them had a heart monitor on him.

The estimate was they had 13 seconds of useful consciousness and were dead within a minute.

Their bodies landed in the USSR 21 minutes later.

They’ve created a class of object called a minor planet. It’s large enough to pull itself into a sphere, but it has an odd orbit, and hasn’t cleared its local area.

It is, however, quite different from an asteroid like Vesta which are oblong and in a “belt” of other objects.

Summer sun also creates convection currents that distort light.

So both dry and cool (which often go together) make clearer views.

He also has a chapter that is only five words

> My mother is a fish.

I run a cybersecurity company that helps companies with exactly this type of thing.

So many companies we talk to simply say “yeah that’s not in the budget unless a customer/government tells us it’s mandatory.

About 10-20% do it anyway.

Hard to tell which is which as a customer.

Use lastpass.

Oh…. Wait.

Rods can’t as easily be detected and stopped. That’s all.

Huh?

Hotel rooms have sinks….

Correct. The green shaded area simply has no meaning regardless. :-)

Uh. The point is that one is on a different scale. To assign relevance of the green line to the other line would also say that the 1980s were cheap when everyone was struggling to get a mortgage.

They’re simply not that related.

Looking back at this… the orange dotted line has no relation to the shaded area, they’re on different axis.

I haven’t read it, but is it plausible form the data and controls that outdoor lights = denser city -> city lifestyle (nightlife, processed foods, stress/noise, etc) -> diabetes

If so, it seems less likely to me that this is some actual light impact and far more likely to be just a marker of lifestyle.

Edit: it said one of the controls was adjusting for “urban/rural area“. I have no idea what that means, but that is at least part of above. I’m unsure how a binary urban/rural is measurable. In any rural environment one that is more lit is going to be more densely populated. I think the same is probably true for urban areas.

Seems like maybe a control for population density might be more useful.

Some genetic manipulation can do things like turn hair into feathers and fingernails into scales, so that is possible, although it would be enormously unethical in humans.

When the red line is above the green, that just means the median person can’t afford the median house.

It seems to have been that way a lot in the 70s and 80s.

Another challenge people have today is down payments are higher than they were, so that’s an additional hit against affordability.

When the red line is above the green, it SHOULD put downward pressure on prices.

Made in Excel.

Data Sources are for UNITED STATES ONLY

• Median US home prices: (https://dqydj.com/historical-home-prices/) including CPI adjusted
• US 30 year fixed average mortgage rate: (https://fred.stlouisfed.org/series/MORTGAGE30US)
• CPI adjusted monthly payment is calculated from 80% LTV on median home using median 30 year fixed mortgage rate.
• Median US Income: (https://dqydj.com/household-income-by-year/) including CPI adjusted
• Affordability bar is simply 28% of median gross income

Conclusion: Data shows that housing prices have risen to historically high levels (even by CPI adjustment) but the "monthly cost" of these mortgages remained within a narrow band from 1995 until 2021 and historically high monthly payments (inflation adjusted) for a mortgages occurred during the 1980s, although rapidly increasing rates in 2022 has also spiked mortgage payments.

Affordability of mortgage payments was quite good on a "monthly payments" basis in the USA until a few months ago.

However increasing purchase prices require higher down payments. This significantly affects "affordability" of mortgages, even when monthly payments are within reach of median income earners.