10 Tips for Betting the 2020 Kentucky Derby

General Election Polling Discussion Thread (September 2nd, 2020)

Introduction

Welcome to the /politics polling discussion thread for the general election. As the election nears, polling of both the national presidential popular vote and important swing states is ramping up, and with both parties effectively deciding on nominees, pollsters can get in the field to start assessing the state of the presidential race. Please use this thread to discuss polling and the general state of the presidential or congressional election. Below, you'll find some of the most recent polls, but this is by no means exhaustive, as well as some links to prognosticators sharing election models.
As always though, polls don't vote, people do. Regardless of whether your candidate is doing well or poorly, democracy only works when people vote, and there are always at least a couple polling misses every cycle, some of which are pretty high profile. If you haven't yet done so, please take some time to register to vote or check your registration status.

Polls

Below is a collection of recent polling of the US Presidential election. This is likely incomplete and also omits the generic congressional ballot as well as Senate/House/Gubernatorial numbers that may accompany these polls. Please use the discussion space below to discuss any additional polls not covered. Additionally, not all polls are created equal. If this is your first time looking at polls, the FiveThirtyEight pollster ratings page is a helpful tool to assess historic partisan lean in certain pollsters, as well as their past performance.
With the conclusion of both major parties’ nominating conventions, pollsters scrambled into the field to conduct polls of swing states and the national race. The result has been a slew of high quality pollsters releasing their numbers on Wednesday as well as today, which paint a picture of the electorate right after the candidates are expected to have received a temporary convention bounce.
Poll Date Type Biden Trump
Quinnipiac University 9-3 Florida 48 45
Quinnipiac University 9-3 Pennsylvania 52 44
Monmouth University 9-3 North Carolina 48 46
Monmouth University 9-3 North Carolina 47 45
Monmouth University 9-3 North Carolina 48 46
Rasmussen Reports 9-3 Pennsylvania 47 48
Harper Polling 9-3 Minnesota 48 45
USC Dornsife 9-3 National 50 42
USC Dornsife 9-3 National 51 42
Morning Consult 9-2 Wisconsin 52 42
Morning Consult 9-2 Wisconsin 52 42
Morning Consult 9-2 Wisconsin 51 42
Morning Consult 9-2 Wisconsin 51 43
Morning Consult 9-2 Wisconsin 52 42
Morning Consult 9-2 Wisconsin 51 42
Morning Consult 9-2 Wisconsin 53 42
Morning Consult 9-2 Wisconsin 50 43
Morning Consult 9-2 Wisconsin 50 43
Morning Consult 9-2 Wisconsin 50 42
Morning Consult 9-2 Wisconsin 50 42
Morning Consult 9-2 Wisconsin 50 43
Morning Consult 9-2 Wisconsin 50 43
Morning Consult 9-2 Wisconsin 50 43
Morning Consult 9-2 Wisconsin 50 43
Morning Consult 9-2 Wisconsin 48 45
Morning Consult 9-2 Wisconsin 50 43
Morning Consult 9-2 Wisconsin 51 42
Morning Consult 9-2 Wisconsin 51 43
Morning Consult 9-2 Wisconsin 50 43
Morning Consult 9-2 Wisconsin 50 44
Morning Consult 9-2 Wisconsin 51 43
Morning Consult 9-2 Wisconsin 50 41
Morning Consult 9-2 Wisconsin 52 41
Morning Consult 9-2 Wisconsin 49 43
Morning Consult 9-2 Wisconsin 50 43
Morning Consult 9-2 Wisconsin 50 42
Morning Consult 9-2 Wisconsin 51 42
Morning Consult 9-2 Wisconsin 50 42
Morning Consult 9-2 Wisconsin 51 42
Morning Consult 9-2 Wisconsin 51 41
Morning Consult 9-2 Wisconsin 51 43
Morning Consult 9-2 Wisconsin 51 42
Morning Consult 9-2 Wisconsin 51 41
Morning Consult 9-2 Wisconsin 51 41
Morning Consult 9-2 Wisconsin 51 41
Morning Consult 9-2 Wisconsin 49 42
Morning Consult 9-2 Wisconsin 50 41
Morning Consult 9-2 Wisconsin 49 42
Morning Consult 9-2 Wisconsin 50 41
Morning Consult 9-2 Wisconsin 50 41
Morning Consult 9-2 Wisconsin 50 40
Morning Consult 9-2 Wisconsin 51 40
Morning Consult 9-2 Wisconsin 48 44
Morning Consult 9-2 Wisconsin 48 45
Morning Consult 9-2 Wisconsin 49 43
Morning Consult 9-2 Wisconsin 47 45
Morning Consult 9-2 Wisconsin 49 44
Morning Consult 9-2 Wisconsin 48 44
Morning Consult 9-2 Wisconsin 48 46
Morning Consult 9-2 Wisconsin 48 45
Morning Consult 9-2 Wisconsin 50 44
Morning Consult 9-2 Wisconsin 50 42
Morning Consult 9-2 Wisconsin 50 44
Morning Consult 9-2 Wisconsin 51 43
Morning Consult 9-2 Wisconsin 51 41
Morning Consult 9-2 Wisconsin 51 41
Morning Consult 9-2 Wisconsin 50 40
Morning Consult 9-2 Wisconsin 49 45
Morning Consult 9-2 Wisconsin 50 44
Morning Consult 9-2 Wisconsin 48 46
Morning Consult 9-2 Wisconsin 48 45
Morning Consult 9-2 Wisconsin 49 45
Morning Consult 9-2 Wisconsin 49 45
Morning Consult 9-2 Wisconsin 49 44
Morning Consult 9-2 Wisconsin 49 44
Morning Consult 9-2 Wisconsin 48 45
Morning Consult 9-2 Wisconsin 48 45
Morning Consult 9-2 Wisconsin 49 44
Morning Consult 9-2 Wisconsin 49 44
Morning Consult 9-2 Wisconsin 49 44
Morning Consult 9-2 Wisconsin 49 44
Morning Consult 9-2 Wisconsin 48 45
Morning Consult 9-2 Wisconsin 48 45
Morning Consult 9-2 Wisconsin 49 45
Morning Consult 9-2 Wisconsin 49 45
Morning Consult 9-2 Wisconsin 50 44
Morning Consult 9-2 Wisconsin 49 45
Morning Consult 9-2 Wisconsin 49 44
Morning Consult 9-2 Wisconsin 48 44
Morning Consult 9-2 Wisconsin 49 43
Morning Consult 9-2 Wisconsin 49 43
Morning Consult 9-2 Wisconsin 49 43
Morning Consult 9-2 Wisconsin 48 43
Morning Consult 9-2 Wisconsin 50 42
Morning Consult 9-2 Wisconsin 48 44
Morning Consult 9-2 Wisconsin 48 44
Morning Consult 9-2 Wisconsin 48 44
Morning Consult 9-2 Wisconsin 49 44
Morning Consult 9-2 Wisconsin 48 44
Morning Consult 9-2 Wisconsin 49 43
Morning Consult 9-2 Wisconsin 50 43
Morning Consult 9-2 Wisconsin 49 44
Morning Consult 9-2 Wisconsin 49 44
Morning Consult 9-2 Wisconsin 48 44
Morning Consult 9-2 Wisconsin 49 43
Morning Consult 9-2 Wisconsin 48 43
Morning Consult 9-2 Wisconsin 48 44
Morning Consult 9-2 Wisconsin 48 43
Morning Consult 9-2 Wisconsin 48 42
Morning Consult 9-2 Wisconsin 47 44
Morning Consult 9-2 Wisconsin 49 44
Morning Consult 9-2 Wisconsin 48 43
Morning Consult 9-2 Wisconsin 48 43
Morning Consult 9-2 Wisconsin 47 44
Morning Consult 9-2 Wisconsin 49 43
Morning Consult 9-2 Wisconsin 49 42
Morning Consult 9-2 Wisconsin 49 43
Morning Consult 9-2 Wisconsin 47 44
Morning Consult 9-2 Wisconsin 48 43
Morning Consult 9-2 Wisconsin 49 43
Morning Consult 9-2 Wisconsin 48 43
Morning Consult 9-2 Wisconsin 48 44
Morning Consult 9-2 Wisconsin 47 45
Morning Consult 9-2 Wisconsin 47 45
Morning Consult 9-2 Wisconsin 47 45
Fox News 9-2 Wisconsin 49 41
Fox News 9-2 North Carolina 49 45
Fox News 9-2 Wisconsin 50 42
Fox News 9-2 North Carolina 50 46
Fox News 9-2 Arizona 49 40
Fox News 9-2 Arizona 49 39
Ipsos 9-2 National 43 38
SSRS 9-2 National 51 43
Harris Insights & Analytics 9-2 National 46 40
Morning Consult 9-2 National 51 43
Morning Consult 9-2 National 51 43
Morning Consult 9-2 National 50 43
Morning Consult 9-2 National 51 44
Morning Consult 9-2 National 52 42
Morning Consult 9-2 National 51 43
Quinnipiac University 9-2 National 52 42
Qriously 9-2 National 46 41
Opinium 9-2 Florida 50 43
Opinium 9-2 Wisconsin 53 39
IBD 9-2 National 49 41
YouGov 9-2 National 51 40
Rasmussen Reports 9-2 National 48 45
Monmouth University 9-2 Pennsylvania 49 46
Monmouth University 9-2 Pennsylvania 49 45
Monmouth University 9-2 Pennsylvania 48 47
Suffolk University 9-2 National 46 41
Ipsos 9-2 National 47 40
USC Dornsife 9-2 National 51 42
USC Dornsife 9-2 National 51 41
Opinium 9-2 National 53 39
Suffolk University 9-2 National 49 43
Selzer & Co. 9-2 National 49 41
Redfield & Wilton Strategies 9-1 National 49 40
Landmark Communications 9-1 Georgia 40 47
East Carolina University 9-1 North Carolina 46 48
Public Policy Polling 9-1 Michigan 48 44
Expedition Strategies 9-1 Montana 44 48
University of Nevada, Las Vegas 9-1 Nevada 44 38
Morning Consult 9-1 National 52 43
Morning Consult 9-1 National 51 43
Morning Consult 9-1 Texas 47 48
Morning Consult 9-1 Florida 49 47
Morning Consult 9-1 Pennsylvania 49 45
Morning Consult 9-1 National 51 43
Morning Consult 9-1 North Carolina 49 47
Morning Consult 9-1 Ohio 45 50
Morning Consult 9-1 Minnesota 50 43
Morning Consult 9-1 Florida 50 45
Morning Consult 9-1 Georgia 49 46
Morning Consult 9-1 Michigan 50 44
Morning Consult 9-1 Georgia 46 47
Morning Consult 9-1 Colorado 51 41
Morning Consult 9-1 Wisconsin 52 43
Morning Consult 9-1 Michigan 52 42
Morning Consult 9-1 Arizona 52 42
Morning Consult 9-1 Colorado 51 41
Morning Consult 9-1 Texas 46 47
Morning Consult 9-1 Minnesota 50 42
Morning Consult 9-1 Ohio 45 49
Morning Consult 9-1 North Carolina 49 46
Morning Consult 9-1 Pennsylvania 50 44
Morning Consult 9-1 Arizona 45 47
USC Dornsife 9-1 National 51 41
USC Dornsife 9-1 National 51 41
Léger 9-1 National 49 42
AtlasIntel 9-1 National 49 46
Emerson College 8-31 National 51 48
RMG Research 8-31 National 48 44
Global Strategy Group 8-31 Pennsylvania 53 43
Global Strategy Group 8-31 Pennsylvania 50 42
Public Policy Polling 8-31 Georgia 47 46
Harris Insights & Analytics 8-31 National 47 38
GQR Research (GQRR) 8-31 Pennsylvania 52 43
Trafalgar Group 8-31 Missouri 41 51
USC Dornsife 8-31 National 53 40
USC Dornsife 8-31 National 52 40
John Zogby Strategies 8-30 National 45 42
John Zogby Strategies 8-30 National 48 42
USC Dornsife 8-30 National 54 39
USC Dornsife 8-30 National 53 39

Election Predictions

Prognosticators

Prognosticators are folks who make projected electoral maps, often on the strength of educated guesses as well as inside information in some cases from campaigns sharing internals with the teams involved. Below are a few of these prognosticators and their assessment of the state of the race:

Polling Models

Polling models are similar to prognosticators (and often the model authors will act like pundits as well), but tend to be about making "educated guesses" on the state of the election. Generally, the models are structured to take in data such as polls and electoral fundamentals, and make a guess based on research on prior elections as to the state of the race in each state. Below are a few of the more prominent models that are online or expected to be online soon:

Prediction Markets

Prediction markets are betting markets where people put money on the line to estimate the likelihood of one party winning a seat or state. Most of these markets will also tend to move depending on polling and other socioeconomic factors in the same way that prognosticators and models will work. Predictit and Election Betting Odds are prominent in this space, although RealClearPolitics has an aggregate of other betting sites as well.
submitted by TheUnknownStitcher to politics [link] [comments]

General Election Polling Discussion Thread (August 16, 2020)

Introduction

Welcome to the /politics polling discussion thread for the general election. As the election nears, polling of both the national presidential popular vote and important swing states is ramping up, and with both parties effectively deciding on nominees, pollsters can get in the field to start assessing the state of the presidential race. Please use this thread to discuss polling and the general state of the presidential or congressional election. Below, you'll find some of the most recent polls, but this is by no means exhaustive, as well as some links to prognosticators sharing election models.
As always though, polls don't vote, people do. Regardless of whether your candidate is doing well or poorly, democracy only works when people vote, and there are always at least a couple polling misses every cycle, some of which are pretty high profile. If you haven't yet done so, please take some time to register to vote or check your registration status.

Polls

Below is a collection of recent polling of the US Presidential election. This is likely incomplete and also omits the generic congressional ballot as well as Senate/House/Gubernatorial numbers that may accompany these polls. Please use the discussion space below to discuss any additional polls not covered. Additionally, not all polls are created equal. If this is your first time looking at polls, the FiveThirtyEight pollster ratings page is a helpful tool to assess historic partisan lean in certain pollsters, as well as their past performance.
This is likely to be one of the last clear snapshots of polling until at least mid-September. Historically speaking, the party conventions impart a statistically significant 'bump' in candidates' poll numbers. This convention bounce averages around 5 points for candidates (though some candidates have far surpassed this number), but the trend of high bounces has seen a decline in recent elections. With increased coverage of each party during their respective conventions (DNC: August 17-20, RNC: August 24-27), and this year's conventions taking place in a mostly-remote setting, it is hard to predict how large or any impact on the polls will be.
Poll Date Type Biden Trump
NBC News 8-16 National 50 41
SurveyUSA 8-15 Connecticut 52 32
Redfield & Wilton Strategies 8-14 California 61 25
Data for Progress 8-14 National 51 41
Data for Progress 8-14 National 52 39
YouGov 8-14 Massachusetts 61 28
Global Strategy Group 8-14 National 52 42
Marist College 8-14 National 53 42
Fox News 8-13 National 49 42
Léger 8-13 National 46 --
Léger 8-13 National 47 39
Pew Research Center 8-13 National 53 45
Morning Consult 8-13 National 51 42
Morning Consult 8-13 National 50 43
Morning Consult 8-13 National 50 43
Harper Polling 8-13 North Carolina 45 44
Morning Consult 8-13 National 51 43
Garin-Hart-Yang Research Group 8-13 Mississippi 43 53
SurveyUSA 8-13 California 56 28
Rasmussen Reports 8-13 Wisconsin 55 42
Harris Insights & Analytics 8-12 National 44 40
Ipsos 8-12 National 47 38
Ipsos 8-12 National 43 37
Ipsos 8-12 National 56 43
Ipsos 8-12 National 58 42
SurveyUSA 8-12 Kansas 41 48
YouGov Blue 8-12 National 51 45
Rasmussen Reports 8-12 National 49 43
Critical Insights 8-12 Maine 45 38
YouGov 8-12 National 49 39
Morning Consult 8-12 National 49 40
Change Research 8-12 National 50 44
Change Research 8-12 Wisconsin 47 43
Change Research 8-12 North Carolina 47 48
Change Research 8-12 Arizona 45 44
Change Research 8-12 Florida 50 44
Change Research 8-12 Michigan 48 43
Change Research 8-12 Pennsylvania 48 44
MassINC Polling Group 8-12 Massachusetts 63 27
Emerson College 8-11 Pennsylvania 53 46
Emerson College 8-11 North Carolina 49 50
Emerson College 8-11 Arizona 53 46
Critical Insights 8-11 Maine 44 36
Critical Insights 8-11 Maine CD-2 39 38
Critical Insights 8-11 Maine CD-1 49 33
Marquette University Law School 8-11 Wisconsin 50 45
Marquette University Law School 8-11 Wisconsin 50 46
Monmouth University 8-11 National 52 39
Monmouth University 8-11 National 51 41
Emerson College 8-11 Minnesota 51 49
SurveyUSA 8-11 Georgia 46 44
Public Policy Polling 8-10 North Carolina 49 46
Rasmussen Reports 8-10 North Carolina 47 48
HIT Strategies 8-10 North Carolina 47 37
HIT Strategies 8-10 Georgia 44 40
Trafalgar Group 8-10 Arizona 44 46
RMG Research 8-10 National 45 37
RMG Research 8-10 Maine 50 39
Georgetown University (Battleground) 8-10 National 53 39
OH Predictive Insights 8-10 Arizona 49 45
Strategies 360 8-10 Nebraska CD-1 46 48
YouGov 8-10 Wisconsin 49 43
YouGov 8-10 Michigan 47 43
YouGov 8-10 Pennsylvania 50 41

Election Predictions

Prognosticators

Prognosticators are folks who make projected electoral maps, often on the strength of educated guesses as well as inside information in some cases from campaigns sharing internals with the teams involved. Below are a few of these prognosticators and their assessment of the state of the race:

Polling Models

Polling models are similar to prognosticators (and often the model authors will act like pundits as well), but tend to be about making "educated guesses" on the state of the election. Generally, the models are structured to take in data such as polls and electoral fundamentals, and make a guess based on research on prior elections as to the state of the race in each state. Below are a few of the more prominent models that are online or expected to be online soon:

Prediction Markets

Prediction markets are betting markets where people put money on the line to estimate the likelihood of one party winning a seat or state. Most of these markets will also tend to move depending on polling and other socioeconomic factors in the same way that prognosticators and models will work. Predictit and Election Betting Odds are prominent in this space, although RealClearPolitics has an aggregate of other betting sites as well.
submitted by TheUnknownStitcher to politics [link] [comments]

On Spells and Society, or how 5e spells completely change everyone's lives.

Today i have a confession to make: i'm a little bit of a minmaxer. And honestly, i think that's a pretty desirable trait in a DM. The minmaxer knows the rules, and exploits them to maximum efficiency.
"But wait, what does that have to do with spell use in society?" - someone, probably.
Well, the thing is that humans are absolutely all about minmaxing. There's a rule in the universe that reads "gas expands when hot", and suddenly we have steam engines (or something like that, i'm a political scientist not an engineer). A rule says 1+1 = 2, and suddenly we have calculus, computers and all kinds of digital stuff that runs on math. Sound is energy? Let's convert that shit into electricity, run it through a wire and turn it back into sound on the other side.
Bruh. Science is just minmaxing the laws of nature. Humanity in real life is just a big bunch of munchkins, and it should be no different in your setting.
And that is why minmaxing magic usage is something societies as a whole would do, specially with some notable spells. Today i will go in depth on how and why each of these notable mentions has a huge impact on a fantasy society.
We'll go from lowest level to highest, keeping in mind that the lower level a spell the more common it should be to find someone who has it, so often a level 2-3 spell will have more impact than a level 9 spell.

Mending (cantrip).
Repair anything in one minute. Your axe lost its edge? Tore your shirt? Just have someone Mend it.
Someone out there is crying "but wait! Not every village has a wizard!" and while that is true, keep in mind any High Elf knows a cantrip, as can any Variant Human.
A single "mender" could replace a lot of the work a smith, woodworker or seamstress does, freeing their time to only work on making new things rather than repair old ones.

Prestidigitation (cantrip).
Clean anything in six seconds. Committed axe murders until the axe got blunt, and now there's blood everywhere? Dog shit on your pillow out of spite? Someone walked all over the living room with muddy boots? Just Prestidigitate it away.
This may look like a small thing, but its actually huge when you apply it to laundry. Before washing machines were a thing housewives had to spend several hours a week washing them manually, and with Prestidigitation you can just hire someone to get it done in a few minutes.
A single "magic cleaner" can attend to several dozen homes, if not hundreds, thus freeing several hours of the time of dozens of women.
Fun fact: there's an interesting theory that says feminism only existed because of laundry machines and similar devices. Women found themselves having more free time, which they used to read and socialize. Educated women with more contacts made for easy organization of political movements, and the fact men were now able to do "the women's work" by pushing a button meant men were less opposed to losing their housewives' labor. Having specialized menders and magic cleaners could cause a comparable revolution in a fantasy setting, and help explain why women have a similar standing to men even in combat occupations such as adventuring.

Healing in general (1st-2nd level).
This one is fairly obvious. A commoner has 4 hit points, that means just about any spell is a full heal to the average person. That means most cuts, stab wounds, etc. can be solved by the resident cleric. Even broken bones that would leave you in bed for months can be solved in a matter of seconds as soon as the holy man arrives.
But that's nothing compared to the ability to cure diseases. While the only spell that can cure diseases is Lesser Restoration, which is second level, a paladin can do it much more easily with just a Lay on Hands. This means if one or two people catch a disease it can just be eradicated with a touch.
However doing that comes with a cost. If everyone is instantly expunged of illness, the populace does not build up their immune systems. Regular disease becomes less common, sure, but whenever it is reintroduced (by, say, immigrants or contact with less civilized humanoids) it can spread like wildfire, afflicting people so fast that no amount of healers will have the magic juice to deal with it.
Diseases become rare, plagues become common.

Continual Flame (2nd).
Ok, this one is a topic i love and could easily be its own post.
There's an article called "Why the Falling Cost of Light Matters", which goes in detail about how man went from chopping wood for fire, to using animal fat for candles, then other oils, whale oil, kerosene, then finally incandescent light bulbs, and more recently LED lights. Each of these leaps is orders of grandeur more efficient than the previous one, to the point that the cost of light today is about 500,000 times cheaper than it was for for a caveman. And until the early 1900s the only way mankind knew of making light was to set things on fire.
Continual Flame on the other hand allows you to turn 50gp worth of rubies and a 2nd level spell slot into a torch that burns forever. In a society that spends 60 hours of labor to be able to generate 140 minutes of light, this is a huge game changer.
This single spell, which i am 99% sure was just created as an excuse for why the dungeon is lit despite going for centuries without maintenance, allows you to have things like public lighting. Even if you only add a new "torchpost" every other week or month sooner or later you'll be left with a neatly lit city, specially if the city has had thousands of years in which to gather the rubies and light them up.
And because the demand of rubies becomes so important, consider how governments would react. Lighting the streets is a public service, if its strategically relevant to make the city safer at night, would that not warrant some restrictions on ruby sales? Perhaps even banning the use of rubies in jewelry?
Trivia: John D. Rockefeller, the richest man in history, gained his wealth selling kerosene. Kerosene at the time was used to light lamps. Gasoline was invented much later, when Rockefeller tasked a bunch of scientists to come up with a use for some byproducts of the kerosene production. This illustrates how much money is to be had in the lighting industry, and you could even have your own Rockefeller ruby baron in your game. I shall call him... Dohn J. Stonebreaker. Perfect name for a mining entrepreneur.
Whether the ruby trade ends up a monopoly under the direct supervision of the king or a free market, do keep in mind that Continual Flame is by far the most efficient way of creating light.

Gentle Repose (2nd).
Cast it on a corpse, and it stays preserved for 10 days.
This has many potential uses, from preserving foodstuffs (hey, some rare meats are expensive enough to warrant it) to keeping the bodies of old rulers preserved. Even if a ruler died of old age and cannot be resurrected, the body could be kept "fresh" out of respect/ceremony. Besides, it keeps the corpse from becoming undead.

Skywrite (2nd).
Ok, this one is mostly a gag. While the spell can be used by officials to make official announcements to the populace, such as new laws or important news, i like to just use it for spam. I mean, its a ritual spell that writes a message on the sky; what else would people use it for?
Imagine you show up in a city, and there's half a dozen clouds reading "buy at X, we have what you need", "get your farming supplies over at Joe's store" or "vote Y for the city council".
The possibilities are endless, and there's no way the players can expect it. Just keep in mind that by RAW the spell can only do words, meaning no images. No Patrick, "8===D" is not a word.

Zone of Truth (2nd).
This one is too obvious. Put all suspects of a crime into a ZoT, wait a couple minutes to make sure they fail the save, then ask each one if he did it. Sure its not a perfect system, things like the Ring of Mind Shielding still exist, but it's got a better chance of getting the right guy than most medieval justice systems. And probably more than a few contemporary ones. All while taking only a fraction of the time.
More importantly, with all the average crimes being handled instantly, the guards and investigators have more time to properly investigate the more unusual crimes that might actually involve a Thought Shield, Ring of Mind Shielding or a level 17 Mastermind.
There is a human rights argument against messing with people's minds in any way, which is why this may not be practiced in every kingdom. But there are definitely some more lawful societies that would use ZoT on just about every crime.
Why swear to speak the truth and nothing but the truth when you can just stand in a zone of truth?
Another interesting use for ZoT is oaths. When someone is appointed into an office, gets to a high rank in the military or a guild, just put them in a ZoT while they make their oath to stand for the organization's values and yadda yadda. Of course they can be corrupted later on, but at least you make sure they're honest when they are sworn in.

Sending (3rd).
Sending is busted in so many ways.
The more "vanilla" use of it is to just communicate over long distances. We all know that information is important, and that sometimes getting information a whole day ahead can lead to a 40% return on a massive two-year investment. Being able to know of invasions, monsters, disasters, etc. without waiting days or weeks for a courier can be vital for the survival of a nation. Another notable example is that one dude who ran super fast for a while to be the first to tell his side of a recent event.
But the real broken thing here is... Sending can Send to any creature, on any plane; the only restriction being "with which you are familiar". In D&D dead people just get sent to one of the afterlife planes, meaning that talking to your dead grandfather would be as simple as Sending to him. Settling inheritance disputes was never easier!
Before moving on to the next point let me ask you something: Is a cleric familiar with his god? Is a warlock familiar with his patron?

Speak With Dead (3rd).
Much like Sending, this lets you easily settle disputes. Is the senate/council arguing over a controversial topic? Just ask the beloved hero or ruler from 200 years ago what he thinks on the subject. As long his skeleton still has a jaw (or if he has been kept in Gentle Repose), he can answer.
This can also be used to ask people who killed them, except murderers also know this. Plan on killing someone? Accidentally killed someone? Make sure to inutilize the jaw. Its either that, being so stealthy the victim can't identify you, or being caught.

Note on spell availability.
Oh boy. No world-altering 4th level spells for some reason, and suddenly we're playing with the big boys now.
Spells up to 3rd level are what I'd consider "somewhat accessible", and can be arranged for a fee even for regular citizens. For instance the vanilla Priest statblock (MM348) is a 5th level cleric, and the standard vanilla Druid (MM346) a 4th level druid.
Spells of 5th level onward will be considered something only the top 1% is able to afford, or large organizations such as guilds, temples or government.

Dream (5th).
I was originally going to put Dream along with Sending and Telepathy as "long range communication", but decided against it due to each of them having unique uses.
And when it comes to Dream, it has the unique ability of allowing you to put your 8 hours of sleep to good use. A tutor could hire someone to cast Dream on him, thus allowing him to teach his student for 8 hours at any distance. This is a way you could even access hermits that live in the middle of nowhere or in secluded monasteries. Very wealthy families or rulers would be willing to pay a good amount of money to make sure their heirs get that extra bit of education.
Its like online classes, but while you sleep!
Another interesting use is for cheating. Know a princess or queen you like? She likes you back? Her dad put 400 trained soldiers between you? No problemo! Just find a 9th level Bard, Warlock or Wizard, but who am i kidding, of course it'll be a bard. And that bard is probably you. Now you have 8 hours to do whatever you want, and no physical evidence will be left.

Raise Dead (5th).
Few things matter more in life than death. And the ability to resurrect people has a huge impact on society. The impact is so huge that this topic needs topics of its own.
First, diamond monopoly. Remember what i said about how Continual Flame would lead to controlled ruby sales due to its strategic value? This is the same principle, but a hundred times stronger. Resurrection is a huge strategic resource. It makes assassinations harder, can be used to bring back your officials or highest level soldiers over and over during a war, etc. This means more authoritarian regimes would do everything within their power to control the supply and stock of diamonds. Which in turn means if anyone wants to have someone resurrected, even in times of peace, they'll need to call in a favor, do a quest, grease some hands...
Second, resurrection insurance. People hate risks. That's why insurance is such a huge industry, taking up about 15% of the US GDP. People insure their cars, houses... even their lives. Resurrection just means "life insurance" is taken more literally. This makes even more sense when you consider how expensive resurrection is: nobody can afford it in one go, but if you pay a little every month or year you can save up enough to have it done when the need arises.
This is generally incompatible with the idea of a State-run monopoly over diamonds, but that just means different countries within a setting can take different approaches.
To make things easier, i even used some microeconomics to make a sheet in my personal random generators to calculate the price of such a service. Just head to the "Insurance" tab and fill in the information relative to your setting.
With actual life insurance resurrection can cost as little as 5gp a year for humans or 8sp a year for elves, making resurrection way more affordable than it looks.
Also, do you know why pirates wore a single gold earring? It was so that if your body washes up on the shore whoever finds it can use the money to arrange a proper burial. Sure there's a risk of the finder taking it and walking away, but the pirates did it anyway. With resurrection in play, might as well just wear a diamond earring instead and hope the finder is nice enough to bring you back.
I got so carried away with the whole insurance thing i almost forgot: the possibility of resurrection also changes how murders are committed.
If you want someone dead but resurrection exists, you have to remove the vital organs. Decapitation would be far more common. Sure resurrection is still possible, but it requires higher level spells or Reincarnate, which has... quirks.
As a result it should be very obvious when someone was killed by accident or an overreaction, and when someone was specifically out to kill the victim.

Scrying (5th).
This one is somewhat obvious, in that everyone and their mother knows it helps finding people. But who needs finding? Well, that would be those who are hiding.
The main use i see for this spell, by far, is locating escaped criminals. Just collect a sample of hair or blood when arresting someone (or shipping them to hard labor which is way smarter), and if they escape you'll be almost guaranteed to successfully scry on them.
A similar concept to this is seen in the Dragon Age series. If you're a mage the paladins keep a sample of your blood in something called a phylactery, and that can be used to track you down. There's even a quest or two about mages trying to destroy their phylacteries before escaping.
Similarly, if you plan a jailbreak it would be highly beneficial to destroy the blood/hair sample first. As a matter of fact i can even see a thieves guild hiring a low level party to take out the sample while the professional infiltrators get the prisoner out. Keep in mind both events must be done at the same time, otherwise the guards will just collect a new sample or would have already taken it to the wizard.
But guards aren't the only ones with resources. A loan shark could keep blood samples of his debtors, a mobster can keep one of those who owe him favors, etc. And the blood is ceremoniously returned only when the debt is fully paid.

Teleportation Circle (5th), Transport Via Plants (6th).
In other words, long range teleportation. This is such a huge thing that it is hard to properly explain how important it is.
Teleportation Circle creates a 10ft. circle, and everyone has one round to get in and appear on the target location. Assuming 30ft. movement that means you can get 192 people through, which is a lot of potential merchants going across any distance. Or 672 people dashing.
Math note: A 30ft radius square around a 10ft. diameter square, minus the 4 original squares. Or [(6*2+2)^2]-4 squares of 5ft. each. Hence 192 people.
Getting hundreds of merchants, workers, soldiers, etc. across any distance is nothing to scoff at. In fact, it could help explain why PHB item prices are so standardized: Arbitrage is so easy and cheap that price differences across multiple markets become negligible. Unless of course countries start setting up tax collectors outside of the permanent teleportation circles in order to charge tariffs.
Transport Via Plants does something very similar but it requires 5ft of movement to go through, which means less people can be teleported. On the other hand it doesn't burn 50gp and can take you to any tree the druid is familiar with, making it nearly impossible for tax collectors to be waiting on the other side. Unfortunately druids tend to be a lot less willing to aid smugglers, so your best bet might be a bard using spells that don't belong to his list.
With these methods of long range teleportation not only does trade get easier, but it also becomes possible to colonize or inhabit far away places. For instance if someone finds a gold mine in the antarctic you could set up a mine and bring food and other supplies via teleportation.

Major Image (6th level slot).
Major Image is a 3rd level spell that creates an illusion over a 20ft cube, complete with image, sound, smell and temperature. When cast with a 6th level slot or higher, it lasts indefinitely.
That my friends, is a huge spell. Why get the world's best painter to decorate the ceiling of your cathedral when you can just get an illusion made in six seconds?
The uses for decorating large buildings is already good, but remember: we're not restricted to sight.
Cast this on a room and it'll always be cool and smell nice. Inns would love that, as would anyone who always sleeps or works in the same room. Desert cities have never been so chill.
You can even use an illusion to make the front of your shop seem flashier, while hollering on loop to bring customers in.
The only limit to this spell is your imagination, though I'm pretty sure it was originally made just to hide secret passages.
Trivia: the ki-rin (VGM163) can cast Major Image as a 6th level spell, at will. It's probably meant to give them fabulous lairs yet all it takes is someone doing the holy horsey a big favor, and it could enchant the whole city in a few hours. Shiniest city on the planet, always at a nice temperature and with a fragrance of lilac, gooseberries or whatever you want.

Simulacrum (7th).
Spend 12 hours and 1500gp worth of ruby dust, and get a clone of yourself. Notably, each caster can only have one simulacrum, regardless of who the person he cloned is.
How this changes the world? By allowing the rich and powerful to be in two places at once. Kings now have a perfect impersonator who thinks just like them. A wealthy banker can run two branches of his company. Etc.
This makes life much easier, but also competes with Continual Flame over resources.
It also gives "go fuck yourself" a whole new meaning, making the sentence a valid Suggestion.

Clone (8th).
If there's one spell i despise, its Clone.
Wizard-only preemptive resurrection. Touch spell, costs 1.000gp worth of diamonds each time, takes 120 days to come into effect, and creates a copy of the creature that the soul occupies if the original dies. Oh, and the copy can be made younger.
Why is it so despicable? Because it makes people effectively immortal. Accidents and assassinations just get you sent to the clone, and old age can be forever delayed because you keep going back to younger versions of yourself. Being a touch spell means the wizard can cast it on anyone he wants.
In other words: high level wizards, and only wizards, get to make anyone immortal.
That means wizards will inevitably rule any world in which this spell exists.
Think about it. Rulers want to live forever. Wizards can make you live forever. Wizards want other stuff, which you must give them if you want to continue being Cloned. Rulers who refuse this deal eventually die, rulers who accept stick around forever. Natural selection makes it so that eventually the only rulers left are those who sold their soul to wizards. Figuratively, i hope.
The fact that there are only a handful of wizards out there who are high enough level to cast the spell means its easier for them organize and/or form a cartel or union (cartels/unions are easier to maintain the fewer suppliers are involved).
This leads to a dystopian scenario where mages rule, kings are authoritarian pawns and nobody else has a say in anything. Honestly it would make for a fun campaign in and of itself, but unless that's specifically what you're going for it'll just derail everything else.
Oh, and Clone also means any and all liches are absolute idiots. Liches are people who turned themselves into undead abominations in order to gain eternal life at the cost of having to feed on souls. They're all able to cast 9th level wizard spells, so why not just cast an 8th level one and keep undeath away? Saves you the trouble of going after souls, and you keep the ability to enjoy food or a day in the sun.

Demiplane (8th).
Your own 30ft. room of nothingness. Perfect place for storage and a DM's nightmare given how once players have access to it they'll just start looting furniture and such. Oh the horror.
But alas, infinite storage is not the reason this is a broken spell. No sir.
Remember: you can access someone else's demiplane. That means a caster in city 1 can put things into a demiplane, and a caster in city 2 can pull them out of any surface.
But wait, there's more! There's nothing anywhere saying you can't have two doors to the same demiplane open at once. Now you're effectively opening a portal between two places, which stays open for a whole hour.
But wait, there's even more! Anyone from any plane can open a door to your neat little demiplane. Now we can get multiple casters from multiple planes connecting all of those places, for one hour. Sure this is a very expensive thing to do since you're having to coordinate multiple high level individuals in different planes, but the payoff is just as high. We're talking about potential integration between the most varied markets imaginable, few things in the multiverse are more valuable or profitable. Its a do-it-yourself Sigil.
One little plot hook i like about demiplanes is abandoned/inactive ones. Old wizard/warlock died, and nobody knows how to access his demiplanes. Because he's at least level 15 you just know there's some good stuff in there, but nobody can get to it. Now the players have to find a journal, diary, stored memory or any other way of knowing enough about the demiplane to access it.

True Polymorph (9th).
True Polymorph. The spell that can turn any race into any other race, or object. And vice-versa. You can go full fairy godmother and turn mice into horses. For a spell that can change anything about one's body it would not be an unusual ruling to say it can change one's sex. At the very least it can turn a man into a chair, and the chair into a woman (or vice-versa of course).
But honestly, that's just the tip of the True Polymorph iceberg. Just read this more carefully:
> You transform the creature into a different creature, the creature into a nonmagical object, or the object into a creature
This means you can turn a rock or twig into a human. A fully functional human with, as far as the rules go, a soul. You can create life.
But wait, there's more! Nothing there says you have to turn the target into a known creature on an existing creature. The narcissist bard wants to create a whole race of people who look like him? True Polymorph. A player wants to play a weird ass homebrew race and you have no idea how it would fit into the setting? True Polymorph. Wizard needs a way to quickly populate a kingdom and doesn't want to wait decades for the subjects to grow up? True Polymorph. Warlock must provide his patron 100 souls in order to free his own? True Polymorph. The sorcerer wants to do something cool? Fuck that guy, sorcerers don't get any of the fun high level spells; True Poly is available to literally every arcane caster but the sorcerer.
Note: what good is Twinned Spell if all the high level twinnable spells have been specifically made unavailable to sorcerers?
Do keep in mind however that this brings a whole new discussion on human rights. Does a table have rights? Does it have rights after being turned into a living thing? If it had an owner, is it now a slave? Your country will need so many new laws, just to deal with this one spell.
People often say that high level wizards are deities for all intents and purposes. This is the utmost proof of that. Clerics don't get to create life out of thin air, wizards do. The cleric worships a deity, the wizard is the deity.

Conclusion.
Intelligent creatures not only can game the system, but it is entirely in character for them to do so. I'll even argue that if humanoids don't use magic to improve their lives when it's available, you're pushing the suspension of disbelief.
With this post i hope to have helped you make more complex and realistic societies, as well as provide a few interesting and unusual plot hooks
Lastly, as much as i hate comment begging i must admit i am eager to see what spells other players think can completely change the world. Because at the end of the day we all know that extra d6 damage is not what causes empires to rise and fall, its the utility spells that make the best stories.

Edit: Added spell level to all spells, and would like to thank u/kaul_field for helping with finishing touches and being overall a great mod.
submitted by Isphus to DnDBehindTheScreen [link] [comments]

This week 12 yrs ago--Lehman Bros collapsed......(Best Interest) Explaining the Big Short and the 2008 Crisis

edit: thanks for the awards. I'd be a dick to take credit. Go check out the one-man-band who actually wrote it---I've been reading for a couple months, good stuff https://bestinterest.blog/explain-the-big-short/
(Best Interest) This post will explain the Big Short and the 2008 subprime mortgage collapse in simple terms.
This post is a little longer than usual–maybe give yourself 20 minutes to sift through it. But I promise you’ll leave feeling like you can tranche (that’s a verb, right?!) the whole financial system!
Key Players
First, I want to introduce the players in the financial crisis, as they might not make sense at first blush. One of the worst parts about the financial industry is how they use deliberately obtuse language to explain relatively simple ideas. Their financial acronyms are hard to keep track of. In order to explain the Big Short, these players–and their roles–are key.
Individuals, a.k.a. regular people who take out mortgages to buy houses; for example, you and me!
Mortgage lenders, like a local bank or a mortgage lending specialty shop, who give out mortgages to individuals. Either way, they’re probably local people that the individual home-buyer would meet in person.
Big banks, such as Goldman Sachs and Morgan Stanley, who buy lots of mortgages from lenders. After this transaction, the homeowner would owe money to the big bank instead of the lender.
Collateralized debt obligations (CDOs)—deep breath!—who take mortgages from big banks and bundle them all together into a bond (see below). And just like before, this step means that the home-buyer now owes money to the CDO. Why is this done?! I’ll explain, I promise.
Ratings agencies, whose job is to determine the risk of a CDO—is it filled with safe mortgages, or risky mortgages?
Investors, who buy part of a CDO and get repaid as the individual homeowners start paying back their mortgage.
Feel lost already? I’m going to be a good jungle guide and get you through this. Stick with me.
Quick definition: Bonds
A bond can be thought of as a loan. When you buy a bond, you are loaning your money. The issuer of the bond is borrowing your money. In exchange for borrowing your money, the issuer promises to pay you back, plus interest, in a certain amount of time. Sometimes, the borrower cannot pay the investor back, and the bond defaults, or fails. Defaults are not good for the investor.
The CDO—which is a bond—could hold thousands of mortgages in it. It’s a mortgage-backed bond, and therefore a type of mortgage-backed security. If you bought 1% of a CDO, you were loaning money equivalent to 1% of all the mortgage principal, with the hope of collecting 1% of the principal plus interest as the mortgages got repaid.
There’s one more key player, but I’ll wait to introduce it. First…
The Whys, Explained
Why does an individual take out a mortgage? Because they want a home. Can you blame them?! A healthy housing market involves people buying and selling houses.
How about the lender; why do they lend? It used to be so they would slowly make interest money as the mortgage got repaid. But nowadays, the lender takes a fee (from the homeowner) for creating (or originating) the mortgage, and then immediately sells to mortgage to…
A big bank. Why do they buy mortgages from lenders? Starting in the 1970s, Wall St. started buying up groups of loans, tying them all together into one bond—the CDO—and selling slices of that collection to investors. When people buy and sell those slices, the big banks get a cut of the action—a commission.
Why would an investor want a slice of a mortgage CDO? Because, like any other investment, the big banks promised that the investor would make their money back plus interest once the homeowners began repaying their mortgages.
You can almost trace the flow of money and risk from player to player.
At the end of the day, the investor needs to get repaid, and that money comes from homeowners.
CDOs are empty buckets
Homeowners and mortgage lenders are easy to understand. But a big question mark swirls around Wall Street’s CDOs.
I like to think of the CDO as a football field full of empty buckets—one bucket per mortgage. As an investor, you don’t purchase one single bucket, or one mortgage. Instead, you purchase a thin horizontal slice across all the buckets—say, a half-inch slice right around the 1-gallon mark.
As the mortgages are repaid, it starts raining. The repayments—or rain—from Mortgage A doesn’t go solely into Bucket A, but rather is distributed across all the buckets, and all the buckets slowly get re-filled.
As long as your horizontal slice of the bucket is eventually surpassed, you get your money back plus interest. You don’t need every mortgage to be repaid. You just need enough mortgages to get to your slice.
It makes sense, then, that the tippy top of the bucket—which gets filled up last—is the highest risk. If too many of the mortgages in the CDO fail and aren’t repaid, then the tippy top of the bucket will never get filled up, and those investors won’t get their money back.
These horizontal slices are called tranches, which might sound familiar if you’ve read the book or watched the movie.
So far, there’s nothing too wrong about this practice. It’s simply moving the risk from the mortgage lender to other investors. Sure, the middle-men (banks, lenders, CDOs) are all taking a cut out of all the buy and sell transactions. But that’s no different than buying lettuce at grocery store prices vs. buying straight from the farmer. Middle-men take a cut. It happens.
But now, our final player enters the stage…
Credit Default Swaps: The Lynchpin of the Big Short
Screw you, Wall Street nomenclature! A credit default swap sounds complicated, but it’s just insurance. Very simple, but they have a key role to explain the Big Short.
Investors thought, “Well, since I’m buying this risky tranche of a CDO, I might want to hedge my bets a bit and buy insurance in case it fails.” That’s what a credit default swap did. It’s insurance against something failing. But, there is a vital difference between a credit default swap and normal insurance.
I can’t buy an insurance policy on your house, on your car, or on your life. Only you can buy those policies. But, I could buy insurance on a CDO mortgage bond, even if I didn’t own that bond!
Not only that, but I could buy billions of dollars of insurance on a CDO that only contained millions of dollars of mortgages.
It’s like taking out a $1 million auto policy on a Honda Civic. No insurance company would allow you to do this, but it was happening all over Wall Street before 2008. This scenario essentially is “the big short” (see below)—making huge insurance bets that CDOs will fail—and many of the big banks were on the wrong side of this bet!
Credit default swaps involved the largest amounts of money in the subprime mortgage crisis. This is where the big Wall Street bets were taking place.
Quick definition: Short
A short is a bet that something will fail, get worse, or go down. When most people invest, they buy long (“I want this stock price to go up!”). A short is the opposite of that.
Certain individuals—like main characters Steve Eisman (aka Mark Baum in the movie, played by Steve Carrell) and Michael Burry (played by Christian Bale) in the 2015 Oscar-nominated film The Big Short—realized that tons of mortgages were being made to people who would never be able to pay them back.
If enough mortgages failed, then tranches of CDOs start to fail—no mortgage repayment means no rain, and no rain means the buckets stay empty. If CDOs fail, then the credit default swap insurance gets paid out. So what to do? Buy credit default swaps! That’s the quick and dirty way to explain the Big Short.
Why buy Dog Shit?
Wait a second. Why did people originally invest in these CDO bonds if they were full of “dog shit mortgages” (direct quote from the book) in the first place? Since The Big Short protagonists knew what was happening, shouldn’t the investors also have realized that the buckets would never get refilled?
For one, the prospectus—a fancy word for “owner’s manual”—of a CDO was very difficult to parse through. It was hard to understand exactly which mortgages were in the CDO. This is a skeevy big bank/CDO practice. And even if you knew which mortgages were in a CDO, it was nearly impossible to realize that many of those mortgages were made fraudulently.
The mortgage lenders were knowingly creating bad mortgages*.* They were giving loans to people with no hopes of repaying them. Why? Because the lenders knew they could immediately sell that mortgage—that risk—to a big bank, which would then securitize the mortgage into a CDO, and then sell that CDO to investors. Any risk that the lender took by creating a bad mortgage was quickly transferred to the investor.
So…because you can’t decipher the prospectus to tell which mortgages are in a CDO, it was easier to rely on the CDO’s rating than to evaluate each of the underlying mortgages. It’s the same reason why you don’t have to understand how engines work when you buy a car; you just look at Car & Driver or Consumer Reports for their opinions, their ratings.
The Ratings Agencies
Investors often relied on ratings to determine which bonds to buy. The two most well-known ratings agencies from 2008 were Moody’s and Standard & Poor’s (heard of the S&P 500?). The ratings agency’s job was to look at a CDO that a big bank created, understand the underlying assets (in this case, the mortgages), and give the CDO a rating to determine how safe it was. A good rating is “AAA”—so nice, it got ‘A’ thrice.
So, were the ratings agencies doing their jobs? No! There are a few explanations for this:
  1. Even they—the experts in charge of grading the bonds—didn’t understand what was going on inside a CDO. The owner’s manual descriptions (prospectuses) were too complicated. In fact, ratings agencies often relied on big banks to teach seminars about how to rate CDOs, which is like a teacher learning how to grade tests from Timmy, who still pees his pants. Timmy just wants an A.
  2. Ratings agencies are profit-driven companies. When they give a rating, they charge a fee. But if the agency hands out too many bad grades, then their customers—the big banks—will take their requests elsewhere in hopes of higher grades. The ratings agencies weren’t objective, but instead were biased by their need for profits.
  3. Remember those fraudulent mortgages that the lenders were making? Unless you did some boots-on-the-ground research, it was tough to uncover this fact. It’s hard to blame the ratings agencies for not catching this.
Who’s to blame?
Everyone? Let’s play devil’s advocate…

To explain further, there are two things going on here.
First, Goldman Sachs bankers were selling CDOs to investors. They wanted to make a commission on the sale.
At the same time, other bankers ALSO AT GOLDMAN SACHS were buying credit default swaps, a.k.a. betting against the same CDOs that the first Goldman Sachs bankers were selling.
This is like selling someone a racehorse with cancer, and then immediately going to the track to bet against that horse. Blankfein’s defense in this video is, “But the horse seller and the bettor weren’t the same people!” And the Congressmen responds, “But they worked for the same stable, and collected the same paychecks!”
So do the big banks deserve blame? You tell me.
Inspecting Goldman Sachs
One reason Goldman Sachs survived 2008 is that they began buying credit default swaps (insurance) just in time before the housing market crashed. They were still on the bad side of some bets, but mostly on the good side. They were net profitable.
Unfortunately for them, the banks that owed Goldman money were going bankrupt from their own debt, and then Goldman never would have been able to collect on their insurance. Goldman would’ve had to payout on their “bad” bets, while not collecting on their “good” bets. In their own words, they were “toast.”
This is significant. Even banks in “good” positions would’ve gone bankrupt, because the people who owed the most money weren’t able to repay all their debts. Imagine a chain; Bank A owes money to Bank B, and B owes money to Bank C. If Bank A fails, then B can’t collect their debt, and B can’t pay C. Bank C made “good” bets, but aren’t able to collect on them, and then they go out of business.
These failures would’ve rippled throughout the world. This explains why the US government felt it necessary to bail-out the banks. That federal money allowed banks in “good” positions to collect their profits and “stop the ripple” from tearing apart the world economy. While CDOs and credit default swap explain the Big Short starting, this ripple of failure is the mechanism that affected the entire world.
Betting more than you have
But if someone made a bad bet—sold bad insurance—why didn’t they have money to cover that bet? It all depends on risk. If you sell a $100 million insurance policy, and you think there’s a 1% chance of paying out that policy, what’s your exposure? It’s the potential loss multiplied by the probability = 1% times $100 million, or $1 million.
These banks sold billions of dollars of insurance under the assumption that there was a 5%, or 3%, or 1% chance of the housing market failing. So they had 20x, or 30x, or 100x less money on hand then they needed to cover these bets.
Turns out, there was a 100% chance that the market would fail…oops!
Blame, expounded
Ratings agencies—they should be unbiased. But they sold themselves off for profit. They invited the wolves—big banks—into their homes to teach them how to grade CDOs. Maybe they should read a blog to explain the Big Short to them. Of course they deserve blame. Here’s another anecdote of terrible judgment from the ratings agencies:
Think back to my analogy of the buckets and the rain. Sometimes, a ratings agency would look at a CDO and say, “You’re never going to fill up these buckets all the way. Those final tranches—the ones that won’t get filled—they’re really risky. So we’re going to give them a bad grade.” There were “Dog Shit” tranches, and Dog Shit gets a bad grade.
But then the CDO managers would go back to their offices and cut off the top of the buckets. And they’d do this for all their CDOs—cutting off all the bucket-top rings from all the different CDO buckets. And then they’d super-glue the bucket-top rings together to create a field full of Frankenstein buckets, officially called a CDO squared. Because the Frankenstein buckets were originally part of other CDOs, the Frankenstein buckets could only start filling up once the original buckets (which now had the tops cut off) were filled. In other words, the CDO managers decided to concentrate all their Dog Shit in one place, and super glue it together.
A reasonable person would look at the Frankenstein Dog Shit field of buckets and say, “That’s turrible, Kenny.”
BUT THE RATINGS AGENCIES GAVE CDO-SQUAREDs HIGH GRADES!!! Oh I’m sorry, was I yelling?!
“It’s diversified,” they would claim, as if Poodle shit mixed with Labrador shit is better than pure Poodle shit.
Again, you tell me. Do the ratings agencies deserve blame?!
Does the government deserve blame?
Yes and no.
For example, part of the Housing and Community Development Act of 1992 mandated that the government mortgage finance firms (Freddie Mac and Fannie Mae) purchase a certain number of sub-prime mortgages.
On its surface, this seems like a good thing: it’s giving money to potential home-buyers who wouldn’t otherwise qualify for a mortgage. It’s providing the American Dream.
But as we’ve already covered today, it does nobody any good to provide a bad mortgage to someone who can’t repay it. That’s what caused this whole calamity. Freddie and Fannie and HUD were pumping money into the machine, helping to enable it. Good intentions, but they weren’t paying attention to the unintended outcomes.
And what about the Securities & Exchange Commission (SEC), the watchdogs of Wall Street. Do they have a role to explain the Big Short? Shouldn’t they have been aware of the Big Banks, the CDOs, the ratings agencies?
Yes, they deserve blame too. They’re supposed to do things like ensure that Big Banks have enough money on hand to cover their risky bets. This is called proper “risk management,” and it was severely lacking. The SEC also had the power to dig into the CDOs and ferret out the fraudulent mortgages that were creating them. Why didn’t they do that?
Perhaps the issue is that the SEC was/is simply too close to Wall Street, similar to the ratings agencies getting advice from the big banks. Watchdogs shouldn’t get treats from those they’re watching. Or maybe it’s that the CDOs and credit default swaps were too hard for the SEC to understand.
Either way, the SEC doesn’t have a good excuse. If you’re in bed with the people you’re regulating, then you’re doing a bad job. If you’re rubber stamping things you don’t understand, then you’re doing a bad job.
Explain the Big Short, shortly
You’re about 2500 words into my “short summary.” But the important things to remember:

And with that, I’d like to announce the opening of the Best Interest CDO. Rather than invest in mortgages, I’ll be investing in race horses. Don’t ask my why, but the current top stallion is named ‘Dog Shit.’ He’ll take Wall Street by storm.
If you don’t mind my cussing but you do like this content, consider subscribing to the email list to get these articles (and nothing more) sent to your inbox every week.
I hope this post helped if you were looking for someone to explain the Big Short. Thanks for reading the Best Interest.

Source: https://bestinterest.blog/explain-the-big-short/
submitted by CrosscourtFade to investing [link] [comments]

Death Battle #134: Venom vs Crona (Marvel vs Soul Eater)

Death Battle Link
Okay. I mean just, okay. I'm not even neutral in this one, I literally don't have a horse to bet on the race. Just from the glance to Crona's wiki I took last time and my off-hand knowledge on Venom, I had came to the same conclusion DB did. While I think people want the whole "Cover the moon in blood" feat and such, its fairly obvious their moon is not equivalent in size to ours, but regardless even the one panel of Crona holding a single tooth block of the moon was leagues beyond what Venom could do. I think they may have undersold Venom's sound resistance too, like when he took a blast face first that threatened to collapse an apartment building and he still powered through it with sheer hatred alone. Though admittedly I dont know the power difference between that and the "shattering glass everywhere for 10 miles" feat. I will say I liked them trying to up the spook factor with Venom like with the Nightmare Before Christmas line, but oddly enough he seemed less creepy than when he fought Bane, and both were still not as good as Carnage. A 6/10 fight, imo.
Next Death Battle #135: Red vs Blue (Rooster Teeth's Red vs Blue)... i get it. I understand why some fans would want a known team fight like this. I understand, but that doesn't mean I have to like it. Also note that there's only this and two battle left this year so hopefully the last two are decent
Next Death Battle Thread
submitted by einharjar009 to whowouldwin [link] [comments]

DIA conspiracy made top page of this sub finally!!! Now seems like the perfect time to maybe share new things, but more importantly ask for help in connecting MAJOR dots. They aren't THAT smart, we can solve this.

Hmm...
I'm so happy to see people are looking at Denver Airport again, however we were never looking close enough. I've been interested in DIA for quite a long time now and within the last year had the chance of visiting, and can't help but wonder why no one has ever found anything?
When you reach this point as a Conspiracy Hypothesizer (I didn't stutter), you have to realize that answer is still there, you just have to see the issue in a way many others aren't.
Now, to brush up on the basics of DIA:
At 33,531 acres (52.4 sq mi; 135.7 km2),[3] it is the largest airport in North America by land area and the second largest in the world, behind King Fahd International Airport.[4] Runway 1634L, with a length of 16,000 feet (3.03 mi; 4.88 km), is the longest public use runway in North America and the seventh longest in the world.
For reference; Manhattan stands at 22.82 mi^2, meaning you could fit Manhattan TWICE in DIA's property.
The runways totally DO look like Swastikas. You can't even deny it.
-Not to mention they openly admit, but never DISPROVE any conspiracies surrounding the airport. The effect has been... well no one thinks DIA is up to anything really anymore from workers claiming they've never seen anything to gargoyles literally mocking you for thinking they are up to something, they did a great job considering I still smell shit in the air and it isn't me. Yet the rest of the population seems to have forgotten some VERY important history.
Now onto some deeper thoughts:
The infamous "New world airport commission" stone.
The biggest thing anyone has pulled from this was that infamous, yet non-existent group that is first listed under "Contributors". While I agree this is strange, there is so much more to this stone guys.
Numerology:
March (3) 19, 1994.
1+9+1+9+9+4 = 33
Time Capsule to be opened in 2094 "for the people of Colorado"
20 + 9 + 4 = 33
-This date surrounding 1994 CANNOT BE COINCIDENTAL. I will prove it... keep reading.
Important person:
-Wellington E. Webb.
If you google that name with "Freemason", you'll find his PERSONAL WEBSITE. Where it strictly lists he is a 33rd degree mason, yet you cannot find that info anywhere else. This man is very mysterious to me and I'd love if someone can help me dig on all of this info. ANYWAY:
Wellington Webb's 1991 bid for mayor included his "Sneaker Campaign", in which he walked door to door through a large portion of Denver, introducing himself as a relatively unknown candidate.
Unknown candidate.
Webb served as mayor of Denver for 12 years, from 1991 to 2003. One highlight of his years in office was the South Platte River Corridor Project, involving commercial and residential redevelopment, as well as reclamation of park land, along the South Platte River in central Denver. He was also mayor at the time of the completion of Denver International Airport, started by his predecessor, Federico Peña.
Finished DIA, and is a 33rd degree Freemason. His name is on the stone, so this isn't hard to believe, I mean like he John Hancocked the thing lmao. Also in 1994:
In 1994, officials ordered a $62 million backup baggage system built to speed the airport's opening and to fill in until the kinks could be worked out of the main system.
So, Wellington Webb took over as mayor in 91', delayed DIA's opening 4 times and went so far over budget for an airport its unreal. The airport opened in 95', making 1994, the year the stone was also laid, the last year DIA would be closed and anything not hidden could be hidden.
Why am I so focused on 1994 and the stone?
-I was dumbfounded once I REALLY looked at the stone closer. Why is everyone so tied up on "The New World Airport Commission" if it doesn't exist on paper? Perhaps the members are listed on the stone I thought...
Martin Marietta Aeronautics.
That is the second name listed, right below the new world airport commission. Who is this company and why has no one ever heard of it you're wondering? Because in 1995, The Martin Marietta Corporation merged with the Lockheed Corporation to form what we now know today as: Lockheed Martin. This would make 1994 the last year that "Martin Marietta Aeronautics" would even exist, thus placing the stone in this year would never raise suspicion of conspiracy to anyone in the future, because Lockheed Martin is the most advanced technological companies in the entire world. Especially regarding military equipment. Just read up on some patents that Lockheed Martin holds to understand the true gravity of what this means.
Martin Marietta Corporation + Lockheed Corporation = Lockheed Martin = largest military arms supplier in the entire world, arguably holding the most advanced tech of our race = The New World Airport Commission? Why else would Martin Marietta hold any relevance to DIA whatsoever?
Fentress Bradburn Architects is also listed, though I couldn't find anything relevant but a quote:
I don't begin with a preconceived notion of what a building should be – it is not a sculpture. I prefer to patiently search through extensive discovery until I find a seam somewhere, crack it open and discover the art inside.[27]
from their Wikipedia page. The stone also lists:
Benjamin H. Bell Jr. and Claude w. Gray Sr. Both are very high ranking Freemasons, you've never heard of them before and cannot find ANYTHING online about these people EXCEPT for Freemason websites. VERY strange and I really need help finding out more, these people are smart but they are naive in thinking they can't be caught, the answer is here somewhere.
Now, this is gonna get me some hate I bet but I need to mention it: Wellington E. Webb, Benjamin H. Bell Jr, and Claude W. Gray Sr, are ALL 33rd degree African Americans. I don't know what this means or why, but I just know... it means something. Especially considering His recent political views from this 2020 interview. Notice him cheering on the violence of BLM protests:
Webb: I am so proud of these kids protesting that I boil over with pride. It’s also good to continue to see the old-timers who have been protesting police brutality and social justice issues for decades.
Hmmm...
Strange markings on the floors:
Dzit Dit Gaii - "White Mountain" - Blanca peak, Colorado. If you're paying close attention... you'll notice the ranking for this mountain for North American highest mountain peaks is ranked... 33rd. Why would this be put in a strange language in the middle of the airport? HMMMMMMMMMMMMM. No coincidences.
Anywho, I know DIA has just loads of shit out of the ordinary and spending multiple hundreds of millions of dollars for a "Luggage system" that failed is just not true. If you've worked there, I can assure you, you have not seen all 53sq Miles of that location and you never will. They could MILES underground for all we know and from the tech they can have. Anyway Im really tired so thats all I got for now lol, please help me expand on this info WE CAN SOLVE THIS MYSTERY PEOPLE WE JUST GOTTA THINK OUTSIDE THE BOX!!!
EDIT: Just wanted to add that 54.2sq miles is also 33,531 acres... gotttaaaa love the 33rd.
EDIT2: just wanted to state that on a map, its eerie that DIA is practically the start of Denver.
Also, I took my own picture of Bluecifier when I flew in to DIA... ill never forget that horse man. https://imgur.com/a/7GYkLlL
submitted by Worm2120 to conspiracy [link] [comments]

Flatten the Curve. Part 53. IoT Surveillance. Recorded Future can Predict our Future. Petraeus. The Pandemic Era and Environmental Collapse. Oh. Do you Remember All the Dead Elephant's? I Do. And It Gave More Evidence of the Environmental Collapse Cover-up. It's Worse Than They Tell Us.

I'm back. And it's time to get back to work. I know that a lot of you have been refreshing and looking out for my posts, and I'm sorry. Life just got way too busy and left me too tired to write. And even though you probably thought that I'd gone missing, I bet you the Surveillance State didn't. Nope. The all seeing eye knew exactly where I was. And not only me, it knows where you are. It knows where all of us are. And it probably knows us better than we know ourselves.
2010, August 28 • Google, CIA Invest in 'Future' of Web Monitoring. The investment arms of the CIA and Google are both backing a company that monitors the web in real time – and says it uses that information to predict the future. The company is called Recorded Future, and it scours tens of thousands of websites, blogs and Twitter accounts to find the relationships between people, organizations, actions and incidents – both present and still-to-come. In a white paper, the company says its temporal analytics engine "goes beyond search" by "looking at the 'invisible links' between documents that talk about the same, or related, entities and events." The idea is to figure out for each incident who was involved, where it happened and when it might go down. Recorded Future then plots that chatter, showing online "momentum" for any given event. "The cool thing is, you can actually predict the curve, in many cases," says company CEO Christopher Ahlberg, a former Swedish Army Ranger with a PhD in computer science. Source Here
That's so amazing isn’t it? You can actually predict the curve. Well now, let's think, were have we seen that curve terminology before? Population Curve? Nope, that's not right. Curve Your Enthusiasm? That doesn't sound right either. Right, it's Curb Your Enthusiasm. Duh. The Learning Curve? Ugh. I just can't remember, can you? Oh shoot, that's right, it's the Title of My Post's, Flatten the Curve. Ok. Moving on. Let's get back to Recorded Future.
Occupy Wall Street Media Monitoring • In 2011, Recorded Future reported, "... gaining online momentum for the Occupy Wall Street movement. When we look more carefully at influencers in this discussion using our Influencer Map, we find that Iran Press TV is the second largest influencer after the U.S. media!" Source Here
Recorded Future saw online momentum for the Occupy Wall Street Movement. But. But. Does that mean they knew the social discord was going to lead to today's riots? Could they be manipulating police to follow orders without fear of repercussions for the future? Nah. They couldn't have, otherwise police officers wouldn't be going to go jail after violating a citizens rights, right?
2020, June 22 • Police in America’s biggest cities are failing to meet even the most basic international human rights standards governing the use of lethal force, a new study from the University of Chicago has found. Researchers in the university’s law school put the lethal use-of-force policies of police in the 20 largest US cities under the microscope. They found not a single police department was operating under guidelines that are compliant with the minimum standards laid out under international human rights laws. Among the failings identified by the law scholars, some police forces violate the requirement that lethal force should only be wielded when facing an immediate threat and as a last resort. Some departments allow deadly responses in cases of “escaping suspects”, “fugitives”, or “prevention of crime” – all scenarios that would be deemed to fall well outside the boundaries set by international law. Top UN human rights expert urges US to listen to demands of protesters. In other cities, police guidelines failed to constrain officers to use only as much force as is proportionate to the threat confronting them. Source Here
Hmmm. Maybe the militarization of our police is starting to make a lot more sense now, doesn’t it? It makes you feel all warm and fuzzy to know that pretty soon that same police force will be able to track you anywhere.
May 15, 2012 • CIA Chief: We'll Spy on You Through Your Dishwasher. It's great that you've got so much new household hardware connected to the internet. Especially for the CIA, whose director wants to spy on you through it. More and more personal and household devices are connecting to the internet, from your television to your car navigation systems to your light switches. CIA Director David Petraeus cannot wait to spy on you through them. SOURCE HERE
What's David Petraeus talking about? The Internet of Things. That same Internet of Things that 5G is being rushed out for. That same Internet of Things that will help usher in the Fourth Industrial Revolution. That same 4th Revolution that the World Economic Forum is calling the Great Reset. Perfect Plan. Crisis. Crap your pants. Solution. If you think the Surveillance State is omnipresent now, just wait until the infrastructure is built for the next level of control. For our safety, of course. Keep Calm and Carry On. The Not Normal New Normal is going to be very dangerous. And to save us from the Not Normal New Normal they have to keep us safe from Fake News with Fact Checks. Wash Your Hands and Wear Your Mask. Keep your Contact Tracer App Up to Date. Don't gather in large groups, use the internet to keep in touch with friends and loved ones, that way we can data mine those conversations to keep you safe from conspiracy theorists antivax who propagate propoganda.
September 2, 2020 • Although the coronavirus pandemic has altered how people live for some time now, the knowledge that it will have an end is a faint light at the end of a long socially distanced tunnel. But, according to new research, that light may be further than we thought. Infectious disease expert and coronavirus task force voice of reason Anthony Fauci believes we may be entering a “pandemic era.” Because of course we are. Source Here
The Pandemic Era. Line up and get shot, errr, sorry, I meant, line up and get your shots. Don't be an antivaxer. Save Civilization, Get Your Vaccination. Remember, we won't have a second wave, it will just be one long continuous wave. Wait. Hold up. Nope. That's wrong. We are having a second wave. Surf's up so don't wipe out.
His assertion comes from a new report in the scientific journal Cell, whose author David Morens, a medical historian and colleague of Fauci’s at the National Institute of Allergy and Infectious Diseases, predicts that coronavirus might be only the first of a series of worldwide diseases. These types of diseases have been cropping up more and more frequently, according to research. The phenomenon is similar to the exponential growth of climate change, meaning if a “pandemic age,” becomes a reality, it joins humanity’s very real race to doomsday. Neat!
Ah. The Pandemic Era and Environmental Collapse. Amazing! It's the sequel that we've been waiting for! Mad Max and Pandemic Road. And who is causing the upcoming doom? Why us, who else. You see, the enemy isn't at the gates, that Trojan Horse was yesterday's news. The Terrorists that were threatening Western Civilization have been beaten back, only to be replaced by an enemy that can't be seen or heard. The Biological Terrorists. And how are we responsible for the Great Bioterror that needs a Great Reset?
As for the culprit to this acceleration? It’s us, of course. For how humans are causing this acceleration, Fauci and Morens point to deforestation, urban crowding, and wet markets for wild game, which have been wreaking havoc for a century and contribute to environmental degradation around the world.
Us. It's always us. We don't listen. We just Keep Calm and Carry On. But now we're going to have to listen. We won't have any choice, will we? The environment is collapsing. It's our fault. We own the companies. We package small items in big boxes because, marketing. We dump toxic chemical waste that poison people. We make cellphones that are outdated in one year. We're the one's lying about plastic being recycled. What? You actually thought you were doing your part and saving the environment?
2020, September, 21 • The industry's awareness that recycling wouldn't keep plastic out of landfills and the environment dates to the program's earliest days, [NPR] found. "There is serious doubt that [recycling plastic] can ever be made viable on an economic basis," one industry insider wrote in a 1974 speech. Yet the industry spent millions telling people to recycle, because, as one former top industry insider told NPR, selling recycling sold plastic, even if it wasn't true. Here's the basic problem: All used plastic can be turned into new things, but picking it up, sorting it out and melting it down is expensive. Plastic also degrades each time it is reused, meaning it can't be reused more than once or twice. On the other hand, new plastic is cheap. It's made from oil and gas, and it's almost always less expensive and of better quality to just start fresh. As it turns out, less than 10% of plastic has ever been recycled.

Ever.

Source Here
It's us.. We demand these things. What? Does that shock you? Of course that's why they make our goods disposable, the public demands it. It's not like marketing works and the demand is a manufactured need to increase their profits. Nope. It's us. Our existence is killing the planet. This wouldn't be happening if there weren't so many of us. Because this is obviously the first extinction level event that could be happening because of abrupt climate change.
2020, September, 25 • A New Mass Extinction Event Has Been Discovered, And It Triggered The Rise of Dinosaurs. Source Here
Oh. Six mass extinction events. But it's us isn't it? Just look around. Birds falling from the sky. Fish washing up on shore. Elephant's dying.

WAIT! HOLD UP!

Didn't I write about the Elephant's dying? Yep. Flatten the Curve. Part 30 And didn't I say that it was cyanobacteria because I saw a pond that looked like it was outgassing hydrogen sulfide gas in a video I linked to? Yes, yes I did. And guess what? The Greek was right.
More than 300 elephants in Botswana have been killed by toxin-producing cyanobacteria in waterholes, government wildlife officials said Monday. But that explanation doesn't satisfy some conservationists. The deaths, which took place over the course of three months, were first recorded in May and reported in early July. Their cause was initially a mystery; Botswana ordered laboratory tests to be carried out on carcass, soil and water samples as speculation grew over the deaths. Cyanobacteria are routinely found in water, but not all produce toxins. Scientists worry that climate change will trigger the bacteria to produce more toxins as water temperatures rise and conditions become more favorable for the bacteria to grow. Source Here
That doesn't satisfy some conservationists? Really? Worldwide reports of a rotten egg smell. Dogs dying when they jump into cyanobacteria filled waters. Rivers turning red. Nah. The New Normal is our New Normal, until AI turns it into our New New Normal.
Pax Technica • What is the internet of things? This pax will not be dominated by any one state, Howard argues, but by “a special kind of stability in global politics, revealing a pact between big technology firms and government”. The categories of democracy and dictatorship will fall. In their place, he claims, will be data-driven socio-technocracies, built on the intensive reporting of our behaviours, habits, tastes and beliefs, seamlessly transmitted by the devices we use, carry and interact with. We won’t need to express our political preferences and needs: our white goods and driverless cars will express them for us. Source Here By tracking us in intensive and intrusive ways – not only in our homes, but in our vehicles and bodies – data-driven devices can nudge, manipulate and mould our behaviours, habits and preferences, limit our autonomy, and bring quantification, segregation and discrimination to what is currently a political economy held together by social fuzziness.
They'll be able to shape and modify our behavior. And when you put Recorded Future and other companies into the mix, guess what happens? They'll shape and modify our behaviours before they become our behaviours, because they'll already know how we'll behave in the future. Kind of like the shaming of antivaxer behavior before they announce:
Annual COVID-19 Vaccine May Be Necessary. Source Here
Or priming us for AI to save the environment:
According to a recent survey by Intel and the research firm Concentrix, 74 percent of business-decision makers working in environmental sustainability agree artificial intelligence (AI) will help solve long-standing environmental challenges; 64 percent agree the Internet of Things (IoT) will help solve these challenges. As the field of AI develops, so will the potential to protect the environment. From the land and air to both drinking and ocean water, AI is shaping up to be the key that governments, organizations, and individuals can tap to work toward a cleaner planet. Source Here
Do you see where all this is going? The AI and IoT will be everywhere. It will save us from the Collapse, which really means, it will save us from ourselves. Do you see the convergence that's taking place? No? Let me remind you. Because if we are the problem, then we aren't alone.
Coronavirus which is killing and infecting people all over the world was created in a Lab in China's Wuhan, such an idea would have been labelled a conspiracy theory until a few weeks ago. But earlier this week, a Chinese virologist Dr Li-Meng Yan, in an exclusive conversation with WION claimed that the deadly coronavirus was developed in a government laboratory in Wuhan. She also said that Chinese government was aware of the COVID-19 spread. And now Professor Giuseppe Tritto, an internationally known expert in biotechnology and nanotechnology in his book 'China COVID 19: The chimera that changed the world' has said that he believes the Chinese Communist Party (CCP) is behind the Wuhan coronavirus (COVID-19), leaving little doubt that this viral “chimera” was artificially created as a bioweapon. Source Here
Researchers claim long-term exposure to air pollution in China killed 30.8 million people between 2000 and 2016. Source Here
We're going to war against China, while they get the security apparatus up for AI in the war against our minds and individuality. For an environmental collapse they blame us for. And they will focus our shame into anger towards China.
The system will be set up. We will go to war with China. And the system will be fully executed by the time the war is done. It will have to be, for our safety, of course. And AI will keep us safe. Right? RIGHT! Wait. So then why are all the elite building Doomsday Bunkers? Almost like the 1% are covering their bases in case AI can't save us.
One of the most insidious things about gaslighting is the denial of reality. Being denied what you have seen. Being denied what you have experienced and know to be true. It can make you feel like you are crazy. But you are not crazy. Dr Robin Stern, associate director at Yale Center for Emotional Intelligence and author of The Gaslight Effect says that usually “when people are abused there are signs that you can point to that are much more obvious. Someone who has been hit or threatened for instance – it’s easy to see and understand how they have been hurt. But when someone is manipulating you, you end up second-guessing yourself and turning your attention to yourself as the person to blame”. Source Here
DARVO - Deny, Attack, Reverse Victim and Offender. Or, Gaslighting. It's a popular term. It's a great way to make us feel like powerless victims. Gaslighting makes us feel like we need to be saved. When you're searching for answers but only end up finding confusion, it's setting you up to accept any New Normal answer they'll eventually give you. Need someone to blame for the state of chaos? Here's China. They're the problem. We're All In This Together, and You're Either With Us Or Against Us. And there will be people against the war, and therefore against us, so we'll need surveillance to protect us from the enemies within. Because another War will be a necessary evil. World War Three will be the War to save the planet by destroying the planet. Makes sense, doesn't it? And when our planet is worse off than before? Then we'll need the surveillance to help us decide when to have Climate and Pandemic lockdowns. The omnipresent Eye of AI will guide us and safeguard us against Fake News and Not Normal New Normal Narrative disrupting lies. We will have to kill what's left of our privacy because dangerous thoughts are born in secrecy.
We must become a transparent society, because the truth doesn't need to hide. The truth is universal. But who decides what is true? Not us. We can't be trusted. Look what we already did with our privacy, we destroyed our planet. So we have to become dependent upon the system and trust the choices that the system makes. We can't just follow system orders though, we have to become a part of the system, a unified whole working towards the common good of all mankind. But what happens when you question the choices? What happens if your thoughts and actions disrupt the Not Normal New Normal Narrative?
Let's check back with David Petraeus a year later after openly musing about how the IoT will make surveillance ubiquitous in our society.
2012, November 9 • Petraeus Resigns From CIA After Feds Uncover 'Extramarital Affair' Source Here David Petraeus, the director of the Central Intelligence Agency, has resigned. Petraeus told CIA employees Friday in a letter that he was stepping down "for personal reasons... After being married for over 37 years, I showed extremely poor judgment by engaging in an extramarital affair. Such behavior is unacceptable, both as a husband and as the leader of an organization such as ours."
2012, November 11 • How I Was Drawn Into the Cult of David Petraeus. The biggest irony surrounding CIA director David Petraeus’ downfall is becoming a casualty of the very publicity machine he cultivated to portray him as superhuman. I have some insight into how that machine worked. Source Here
2020, November 15 • Now the CIA Is Investigating Petraeus. Anyone who thought the scandal around CIA Director David Petraeus was winding down can think again. Now the CIA is investigating its former leader while some agency veterans whisper that they never liked him anyways. Source Here
Oops. I think David said something that he shouldn't have said about IoT and Surveillance. It's a quick fall from Superhero To Villan when you reveal the Superhero Clubhouse Secrets.
Look. Listen. Think. Question. All the time. The information is out there. So's the truth, even if it's camouflaged. Because the truth is, the big picture is a lot more complicated than thought reducing and behavioral shaping memes. Life isn't black and white. That's why they call it a Grey War. And the Grey War is happening all around us. And in the coming weeks I'll be posting some eye opening stories about the Dark Web, Blockchain, and the current narrative about inequality. About a certain pharmaceutical company and how it's DNA tests are failing the grade. We will dive into the Uighur Minority in China. And most importantly, Cicada 3301, and how it seems to be playing a larger role than most of us realize. And some updates on the current microbial imbalance that is starting to cause havoc on our planets environment. And as if that isn't enough for eye opening revelations, there is a disturbing trend that I've noticed regarding asteroids and impacts. Because why not, after all, 2020 isn't a real party until a Rockstar crashes the party.
I may have been too tired to post lately, but I wasn't too tired to read. Thanks again for all the comments and PM's checking in on me. It meant the world to me, even if I didn't have time to respond.
Heads up and eyes open. Talk soon.
submitted by biggreekgeek to conspiracy [link] [comments]

Murdoch might be the reason why Soros has become the bogeyman for Conservative Conspiracy Theorists

The tyranny of fate is, Soros is not even being maligned because of what happened in America. It’s because Rupert Murdoch tells them to hate Soros because George Soros pwned him financially and ideologically... three years before Murdoch even became an American citizen.
Murdoch spent a lot of money, time, and energy defending the U.K. Conservative Party in his newspapers The Sun, News Of The World, and The Times ...and when the Conservatives (a.k.a The Tories) decided to pump good money after bad in propping up the British Pound Sterling in the European Exchange Rate Mechanism, Murdoch defended their decision.
It was a shitshow. Britain flushed over £3 billion down the drain.
Although money like that doesn’t just disappear. Whenever there are losers, there are also winners. Anyone that short-sold Sterling, put their chips on "sell it" instead of "buy it", was destined to make a fucking packet from the outcome. And one man did just that. One man saw that the Conservatives were betting on the wrong horse in a two-horse race. So he bet on the other horse. The horse called Sterling Will Fail Under Conservatives.
That man: currency investor George Soros. He made over £1 billion on that one day alone. Back then, that was around $1.5 billion US.
Everything that Murdoch had tried to say about the Conservatives was in ruins. He said Thatcher was strong, the Iron Lady ...she was already out. He printed miles of newsprint saying they were the party of morals ...until the comical parade of their politicians being caught in sex scandals. He pushed the talking point that they were the party of jobs ...unemployment went from the hundreds of thousands into the millions.
The ONLY thing he had left was that they were the party of fiscal responsibility. George Soros destroyed that on the 16th of September, 1992. After that, the Conservatives lost three successive national elections. They lost every Scottish seat they had for a generation. All thanks to this one man's successful bet against conservative catchphrases that led to abject failure. And the funniest part of it all? The morning after, the morning of 17th of September 1992, before Murdoch even knew that his side's bad decisions could be profited from? He was more than happy to throw his readers' anger to the correct place before he got his talking points in order. It's quite refreshing to see that the papers that next morning didn't have marching orders in regards to propaganda, so they just reported what happened. Left, right, independent, all reporting it was the Conservative government that fucked up.
Murdoch never let go of that seething hatred for the man that emasculates him like that. To this day, he has Fox News watching Americans saying they hate Soros but they have no idea why.
TL;DR - to know why a person or a group is hated, begin with this - it’s never because of a huge reason or a noble reason. It’s always because of something small in the great scheme of things. It’s always because of something petty. After nearly 30 years, Rupert Murdoch is salty he lost to Soros.
submitted by DangerousDeveloper to conspiracy [link] [comments]

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