The argument the person above you is making is that they also profit off people who never file claims in the first place. In fact those people are more profitable since they do not consume labor to process claims.
The Byzantine system of rules and coverage exemptions exists to disincentive people from filing claims just as it exists to give leeway to deny them.
Of course the overall point that paid claims must be less than premiums charged (and investment income) is correct.
Don’t see mention of fixes for the resume-from-sleep bugs that have been around since at least 6 :'(
No, not even close.
I’ve used Unix systems for years at work, and have dual-booted windows with various flavors of Linux at home for just as long. When I just need something to work, particularly something new or after a stressful day at work, I just use windows.
Why? Because it will just work. Maybe it won’t work precisely how I want it to, maybe it will send all my data to Bill’s push notifications, but it will run. In the rare case it doesn’t, a quick google will fix it.
Compare that to Linux, where most things will work most of the time. And when they don’t, you get to hunt through GitHub issues off-the-clock like a peasant, wading through comments from people with entirely different configurations and ‘dunno it works for me’.
Linux is for tinkerers, and for people who want a Unix shell and can’t afford a Mac, it has a long way to go to be more than that.
The ideal answer is compost, regenerative agriculture, and (better treated) human-sources waste.
Organic crop yields will almost certainly reduce a bit without animal waste fertilizer, but that is fine since crop consumption will fall by a greater amount due to not needing to feed a bunch of extra animals.
Bro delete this I just shi myself omw to work
The US is the world’s largest oil producer. The US, however, does not export the most crude oil, but instead exports large quantities of refined products (gasoline, diesel, etc.).
The US was the largest exporter of liquefied natural gas in 2023.
DnD good and evil are distinct from common usage of the terms; they are cosmic forces, objective truths. Each action reverberates through the higher and lower planes and tilts the scales towards victory for one side or another in their eternal struggle. This lore doesn’t leave a ton of room to change the alignment of entire races (and that is by design, structure makes it easier for people to get in to the setting).
But this is just in the established settings, any DM is free to homebrew any setting and justification they like.
Note that I am not trying to defend this as the height of storytelling, it isn’t. It is a consequence of how the setting is justified - with deities being active participants, having specific rules for granting and revoking powers, and the physical presence of higher and lower planes embodying perfect conceptions of ‘good’, ‘evil’, order, chaos, etc. All of this can be changed, and again any DM is free to change it, but the ‘deep lore’ of the established settings over the past 40 years is drenched in this stuff.
One way to consider it is simply - the Drow aren’t evil because they are Drow. The Drow are evil because their culture promotes actions that align with the literal true definition of evil that is present in the setting. Evil doesn’t mean bad, it is just a label aligning with some physical rule of the universe. Just like the positive charge of a proton and negative charge of an electron are labels for physical rules of our own universe. Positive isn’t any better than negative, but they are inherently distinct.
Cats convert CO to CO2, and NOx to N2 (mostly irrelevant for this conversation). In closed space, the exhaust is still deadly, but you are correct in that CO would cause quicker death than CO2 displacing the oxygen.
Relatively low concentrations of CO will cause severe drops in red blood cell’s ability to transport oxygen, then follows unconsciousness and death. CO2 in contrast would require higher concentrations to be effective, as it would only reduce the efficiency of gas transfer in the lungs and lead to slow and painful decreasing blood pH - and a strong panic reflex and the ‘I can’t breathe’ feeling - until eventual unconsciousness and death.
FAF absolutely benefits from action spam, to the point where it breaks the game balance.
T1 assault bots lose to T1 tanks, and they are supposed to because they are half the price and much quicker to build. You can dance them around if you click enough and they will dodge the tank shells… a few micro’d bots can then defeat 10s of tanks. That swing in mass efficiency is already enough to decide the game on maps smaller than 20km.
RTS will always benefit from intensive micro because time is another resource. Doing more actions, assuming they are of positivity utility, gives an advantage over an opponent who does not.
To everyone saying he is ‘scared’ that’s not really the point, he has no reason to debate her. She is unknown compared to him, starving her of attention is a good strategy as he is still currently leading in polls.
Trump wants to nothing to change in the race, debates - as we just saw with Biden - are an opportunity for things to change.
Common misconception. He was actually saying most political violence is committed by people politically to his left, which I think is undoubtedly true.
If the VP spot is vacant, the president selects a new VP who must then be confirmed by the House and Senate; per the 25th amendment: