Once verified, I definitely think the creator of Quicksort deserves a black bar.

Tony Hoare documented almost every form of concurrency primitive that we have in modern software. Pretty much everything prior to Rust's ownership semantics was written down in some form or under another name by Tony in the early 1970's.

It goes a lot further than Quicksort.

Yes, make it black.

I've been in tech for ~40 years now and I've never seen anything like this. The downstream repercussions on consumer products that have no access to cheap memory is devastating and is an extinction level event for most low-cost providers of cell phones, tvs, etc.

>I've been in tech for ~40 years now and I've never seen anything like this.

Then how do you not remember the DRAM shortage of the late 1980s?

At worse back in 1988 it impacted only PCs.

This shortage in 2026 is more consequential across the board and impacts consumer electronics as a whole and the fact it's going to last years means that many low cost manufacturers are going to close up shop because they won't be profitable.

I'm pretty sure there were more DRAM manufacturers back then, and spinning up a new fab probably didn't require as much know-how, capital or even time.

US treasuries are exempt from state tax but you didn't mention them. And Municipal bonds have no taxes but a lower rate.

To add more context: yes, US Treasuries are exempt from state tax, and municipal bonds are tax exempt too. It's pretty rare for startups to hold them directly; they usually hold money market funds. It varies between different MMFs, but they can be partially state tax-exempt depending on what percentage of the underlying assets are federal bonds.[1] For instance, Vanguard shows you how much of each of their funds is tax-exempt here: https://investor.vanguard.com/content/dam/retail/publicsite/...

However, this tax exemption is usually priced in: muni bond funds, and MMFs that hold lots of tax-exempt assets, tend to return less than funds which are not tax exempt. For the majority of startups that operate at a net loss, tax-exempt funds are probably a bad choice, since you're earning less yield and the tax exemption likely doesn't affect you.

[1] The rules around this also varies from state to state; for instance, in CA, CT, and NY, you can only get any tax exemption if a fund is at least 50% tax-exempt in each quarter of a given year.

My read of this answer is "There really is no difference except you pay us 0.25% for 'ease of use'".

If this point is not getting across, my apologies for not being clearer: this product is for startups and SMBs that don't have the time or resources to host a fractional CFO or a full-time finance team. If you have the time to manage your own treasury as a founder, that's amazing and we really want to know your secret sauce!

But for the majority of founders who want to spend their time building, the fee isn't for ease of use just as this "nice to have", it's for the outcome that ease of use delivers: no need to hire for treasury operations, no manual reconciliation between accounts, no time spent on stuff that isn't your product.

We really think that in most cases, the tradeoff is worth it. But if it's not for you, we totally respect that too.

Also want to note that most treasury products start their fees at 0.6%, which we agree is quite ridiculous hence why ours is less than half that.

If you don't have the time or resources to have a finance resource is the extra 1% on treasury really important?

HIPAA is American, not Canadian.

There should be a journal where it only publishes studies that have been replicated. Too much research slop is being generated for journals and we already know we have a severe reproducibility problem in science right now.

How is this different from Macbook Air?

For a bit over half the price of the Air, you get the iPhone 16 Pro SoC (minus one GPU core, so somewhere between the 16 and 16 Pro, actually) in a laptop chassis that's all around a bit less premium than the Air.

> Trying to run open weight modesl to do inference is something 99% of people around the world can't do because it's expensive and technically challenging and the results are poor compared to the main companies.

Just because a model is open doesn't mean that there aren't services that will run it for you (and which won't share any limits that the commercial model vendors impose to fight distillation because neither the host not the model creator cares if you are using the service to distill the model.)

Many users of, particularly the larger, open models now are using such services, not running them using their own local or cloud compute.