The US needs to do way more than invest into public transit. You need to completely rethink city planning to get something suitable for human travel. Suburban America is like the antithesis to public transportation (or god forbid, walking).
Skyrim is a totally different beast because the ingredient effects you know about don’t depend on your Alchemy skill anymore: instead you simply discover the effects by successfully making a potion with them. So there’s a sort of minigame of trying different ingredients together to discover what kind of effects they give to potions, which in my opinion is neat because it matches up with how you might do this in reality.
I think the developers didn’t like the “surprise” extra potion effects you could get in Morrowind, so they changed it in oblivion.
Can someone explain where the Y comes from? Is this something like, there exists a mother relation between this X and some Y?
I work at a large telecom company building customer support infrastructure, and you are by and large correct. It is a direct policy not to list our phone number on our website, which is supposed to “nudge the customer journey towards alternative solutions first.” That means AI chat, or user guided search on the website, or whatever.
The funny thing is, being the most customer friendly company is supposed to be one of our organisation’s goals. By and large actually, individuals working here (at least at the lower levels) all want to genuinely help customers. However the way incentives are set up and the organisation is structured, inevitably cost savings is what drives most of the work that gets done.
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.
That’s true, because you use a 110V based system you have less power available to the kettle. It’s still a lot faster than an electric stove though. Not faster than an induction stove, probably.
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.
there are some people for whom that taste is very much worth it.
You are correct, but to be clear, it’s not so much that tasting this scotch is a life changing experience; it’s more that to these people, 27k is just chump change.
I’m confused now, because espresso is also coffee? Like, it’s all made from coffee beans. I agree that Americano is espresso with water, but to me that is absolutely a kind of coffee.
I guess I’ve never really thought of “black” as a type of coffee. Where I live black usually just means you don’t want any milk in whatever type of coffee you ordered.
an Americano is not a black coffee.
It is however, coffee that is black,
Hold on now, I’m not getting this. What meaning could “black coffee” possibly have other than a coffee that is black?
So that’s hot water that went through pressed coffee powder.
The “pressed” doesn’t refer to the coffee powder but to the water: the water is pressed through the coffee grounds using high pressure (around 9 bars or so).
The reason for this is that git rebase is kind of like executing a separate merge for every commit that is being reapplied. A proper merge on the other hand looks at the tips of the two branches and thus considers all the commits/changes “at once.”
You can improve the situation with git rerere
I don’t know if phone call spam is only an American thing or something. In my country (and most of Europe) that stuff is effectively banned and doesn’t really happen.
Still hate getting calls though.
At the time, it held the record of most cars destroyed for a film. That has since been eclipsed various times, mainly by films from the fast and furious franchise. But the current record holder is one of the transformers films.
Abe was shot from just a few meters away though. Hard to miss at that distance (well, one would think. The assassin missed his first shot).
I think holding more helium in a smaller space is the opposite of what you want. The lifting force is equal to the weight of the air being displaced, so you want as little stuff as possible in as big a volume as possible.
Maybe if you went the other way round and compressed the atmosphere?