![]() Socratic is a nifty AI that you can download to your iPhone or Android smartphone to help with homework questions that have you stumped. I asked it to give a short description of itself (I thought it would be fun to have the AIs introduce themselves as part of this piece) but it only provided: “I am a language model designed to assist with a wide range of tasks, from answering simple.” Which is hardly confidence-inspiring. What’s more, sometimes YouChat’s answers would just cut off. However, I found that its responses were often just rewordings and amalgamations of information from a few sites on the web. This not only made it difficult to verify statements but also made it seem like responses were YouChat’s own. While YouChat did always provide links to websites I could visit to investigate a topic further, it didn’t always provide sources for the actual answers it gave. It does, however, have a couple of issues. Plus, it often provided links to sources for its info, and websites that I could explore to understand the topic better. While you should always take an AI bot’s advice and answers with a pinch of salt, I found that YouChat’s responses to my queries – which ranged from finding out about The Mandalorian Season 3 to asking for an explanation of CRISPR gene editing – were fairly accurate. YouChat is another very ChatGPT-like bot, and relies on the web for many of its answers just like Bing Chat, but it’s free to use and there’s no waiting list, so you can start chatting with this bot right away. If you’re looking for a fine way to waste an hour or two then Character.AI is fun, but if you want a helpful AI it’s not the option for you. The information was accurate, but when I asked it to explain the ideas and expand on them it dodged the question, calling the subject “complicated.” That’s certainly an apt description, but we do know the reasoning behind special relativity, and a supposedly intelligent artificial Einstein should have been able to explain these ideas. However, the chats aren’t particularly meaningful and lack the depth you’d expect when talking with an ‘expert’ in a specific field.įor example, I tried to get ‘Albert Einstein’ to explain special relativity to me (a theory the legendary physicist developed), but the bot could only provide me with very basic information about the relationships between mass, time, speed, and length in this framework. I particularly enjoyed talking to the AI Keanu Reeves about film, with the synthetic version of the action hero giving off the same kind-hearted energy as the kosher Keanu. You can discuss science with Albert Einstein, Twitter drama with Elon Musk, and the goings on in Bikini Bottom with SpongeBob – or at least with AI approximations of these figures. You can sign up for free using your email address, and you’ll then be able to have lengthy conversations with bots that are designed to chat as if they were a specific real-life person or fictional character. ![]() To use Bard you’ll have to join a waitlist, though several members of our team have passed through the wait pretty quickly so if you sign up for Bard now it hopefully won’t be too long before you're able to use it.Ĭharacter.AI is the best option on this list if you want to converse with an AI, though its service is more of a novelty than a helpful tool. However, it’s still a pretty nifty free ChatPGT alternative and one that Google will be upgrading and tweaking plenty of times over the coming weeks and months – if its new Bard updates page is anything to go by. ![]() You should always take information from AI bots like ChatGPT and these alternatives with a pinch of salt, but that sentiment feels especially true for Bard. Yes, it’s prettier than many of the other ChatGPT alternatives but it’s not always super accurate with its responses – and it doesn’t properly credit where it’s getting its information from either. In our hands-on Google Bard review, we admittedly weren’t super impressed with the bot. Instead of Bing Chat or ChatGPT, you could try Bard, a search engine chatbot from Google. So if you want to use an AI bot today, this likely won’t be the best pick. Before you can access Bing Chat you’ll need to join the waiting list, and hope Microsoft grants you access to its new service. That said, Bing Chat will provide links to its sources, so you can investigate its recommendations and answers for yourself before choosing whether or not to rely on them.īing Chat is also free, with no paid tiers – so unlike ChatGPT, you won’t be booted off unless you pay up when demand is high.
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There are a few puzzles that at appear to have too few objects at first glance. This includes fans, which are easy to overlook. This allows you some free transportation and get you to hard to reach areas.Īny object in the world that can be picked up (aside from the paint bucket and axe) can be placed on a pressure switch to activate it. With mines, you will need to approach them from above or disable them first before stacking a box (otherwise you will die, obviously). While not painfully obvious, you can stack boxes on top of mines and beam blockers. Ghost platforms can be interacted with by placing items on top of it, including the player.You can not jump on top of ghost objects and you can't stack boxes on ghost boxes. Ghost boxes may not be interacted with in any way.Mines and turrets CAN destroy the ghost player. Most objects in the world (fans, doors) will not impede the ghost player movement during playback.Any activated fans placed during the recording WILL blow the player around.This effectively doubles the available connectors in a puzzle. Player can target ghost connectors to transmit beams.Player will NOT collide with ghost objects placed during the recording.Here is a list of various nuances (feel free to send me any other additions to the list): While the recorder is a very useful tool for solving puzzles, it has quite a few quirks regarding the ghost objects and player left behind during replay. Going into third person mode and looking down while jumping can afford you new views over walls, potentially revealing a well hidden star. This is especially handy when trying to locate stars. |D| |E| - Object (gate, turret, etc) "D"isabled and "E"nabled STEP 4) |E| |A| |B| Continue through puzzle with both |A| & |B| STEP 3) |D| >|A| |B| Bring |B| through gate STEP 1) |A| |B||A| Bring |A| through gate and disable gate from other side Here is a visual description of the process. Instead of giving tedious instructions every single time you need to juggle, I will just use this phrase and you should know what to do. ![]() At first glance, it may seem that one item will be tied up with disabling the object, but you can use two items to "juggle" your way out of the predicament and still hold onto both items. All it requires is at least two items that can interact with a single object (energy gate, turret, mine, etc). The art of juggling is essential for countless puzzles in this game. For the rest of the walkthrough, I will be abbreviating this as LoS. The line of sight indicator in the HUD works wonderfully for placing connectors in the perfect spot. This is crucial in Talos, since you need beams to go across large expanses without hitting any obstacles. Like the name implies, line of sight means that you have a direct sight line to the target. Zoom (I set to 'z') allows you to zoom into far away objects. Alternate use (I set to right mouse button) allows you to pick up a connector without losing previous targets. ![]() These two controls can be configured in the options menu. These custom controls are easily missed, since they don't have key bindings by default. * La Tero distancas de la Suno ĉirkaŭ 8,3 lumminutojn. En sciencopopularigaj verkoj la plej ofta unuo tamen estas la lumjaro. La parseko pli proksime rilatas al astronomiaj observoj. * 1 lumjaro = 9 460 730 472 580 800 metroj ≈ 9,46 petametroj En astronomio, por indiki longegajn distancojn, oni plej ofte uzas la unuon parseko egalan al proksimume 3,26 lj. 365,25 tagoj po 86400 sekundoj, kio donas la ekzaktan distancon La Internacia Astronomia Unio rekomendas uzon de unu Julia jaro, t.e. Unu kalendara Gregoria jaro egalas 365,2425 tagojn de po 86 400 sekundoj, dum unu sidera jaro (tempo de unu sun-rondiro de la Tero, rilate al la steloj) egalas 365,256 363 051 tagojn. * 1 lumjaro = 9,461 × 1015 metroj = 9,461 petametroj La longo de lumjaro dependas de la elektita difino por jaro. Analoge ankaŭ ekzistas la unuoj lumhoro, lumsekundo ktp. Unu lumjaro estas la distanco, kiun trairas lumo en vakuo dum unu jaro.Světelný rok (a odvozené jednotky) nepatří mezi jednotky SI. Používá se především v populární literatuře, například pro popis vzdálenosti hvězd. ![]() 10 bilionů km) Světelný rok tedy není jednotkou času. Jeden světelný rok je vzdálenost, kterou světlo ve vakuu urazí za jeden juliánský rok (a). light-year) je jednotka vzdálenosti používaná v astronomii.
![]() However, we may also use PAR 60 days or PAR 90 days to have a better picture of the quality of loans we have. To make it easy in analysis, portfolio at risk is usually measured by using PAR 30 days, in which “30” refers to the loan portfolio that is overdue 30 days or more. The term risk in this ratio refers to the risk that the loan’s clients may not pay or not be able to pay back the loans that we provided them. In the portfolio at risk analysis, we mainly use PAR to measure how much risk that our loan portfolio has in percentage compared to our total portfolio. The excel calculation of portfolio at risk as well as the form and data in the picture of portfolio at risk example above can be found in the link here: Portfolio at risk calculation excel Portfolio at Risk Analysis With the information in the portfolio at risk example above, we can calculate PAR 30, PAR 60 and PAR 90 as below: which is a microfinance institution has USD 9,013,400 of the total amount of loan portfolio and a detailed loan by overdue days as in the table below.Ĭalculate PAR 30 days, PAR 60 days and PAR 90 days for the above loan portfolio. Portfolio at Risk Exampleįor example, ABC Ltd. In this case, we need to change the above formula from 30 days to 60 days or 90 days. ***We may also need to calculate PAR 60 days or 90 days. In this case, we need to change our formula from “loan portfolio” to “loan client”. ![]() ![]() Sometimes, we may need to calculate PAR 30 using clients in the portfolio at risk formula. 30 days, to divide with the total loan portfolio. We can calculate portfolio at risk or PAR with the formula of using the amount of loan portfolio that is overdue from a certain period onward, e.g. However, sometimes, the number of loan client is also used to calculate this ratio. Portfolio at risk is usually calculated by using the amount of loan outstanding that is overdue comparing to total loan. PAR is important when we need to analyze or measure the risk in percentage that our loans may go default if we properly breakdown the loans and group them in similar risk categories. Portfolio at risk or PAR is the type of ratio that usually is used in microfinance institutions or banks to measure the quality of loans and the risk that they currently have. ![]() Again, this means a government has to make a pre-emptive decision about how much is too much, and what can and can’t be tolerated in terms of use of public goods. ![]() Rather than charging someone for the problem, make sure it never happens. That's because even if you didn't make the choice, you will benefit from the product (you can’t exactly not defend the voters who didn’t vote for more defense, for example.) The political assumptions behind taxation are really tricky and governments could easily get into trouble. With tax, everyone pays, even if they had different levels of involvement in the decision-making, or used the service different amounts, or had different levels of responsibility in some other sense. But what if only half the population wanted the war to go ahead? It's not like having to defend more people will cost more money, because the war is being fought abroad anyway. But if one company starts polluting the air, should we tax all companies for repairing the damage? Another example: a country is going to war on another country's territory, so the government needs to pay for the military costs. ![]() More of us breathing doesn't exactly diminish the amount of air in the atmosphere. But that's not necessarily always fair.įor example: air is a good that suffers from the free-rider problem. These goods benefit everyone, so everyone should pay for them. You could even look at things like YouTube, Spotify, or Wikipedia for the same question-everyone uses it, no-one’s use limits anyone else’s use, but someone’s got to sustain it. The obvious examples of goods that suffer from this problem are things like public roads, public parks, clean air, or even national defense. Some people say privatize it, but other people say that doesn't always work. If you’ve got something that you can’t prevent non-paying consumers from using, and that doesn’t actually change with more people using it, how do you work out what it costs, and who should take care of it? That’s the free rider problem-if we can get it for free, we’ll probably try, but someone’s got to keep it going.
As usual, it's unclear how much they're joking. March 9, 2018: WSB users come to the defense of Shkreli on the day he's sentenced to federal prison after a jury found him guilty of fraud. Options can generate steep losses if people don't use them correctly. But the contract may be worthless if the stock moves in the other direction. Options are contracts allowing investors to buy or sell shares at specific prices investors use them as a kind of bet on the stocks' direction. As appreciation, and to Make WSB Great Again, I hereby petition that he become a WSB mod and WSB god," a user wrote.ĭecember 2017: Robinhood introduces options trading, a riskier form of investing in stocks than simply buying them. Trump "has created some great trading opportunities for us today and in the coming weeks. 2 post on WSB is a proposal to make Republican Donald Trump a moderator of the message board. 9, 2016: As the votes are being counted in the presidential election, the No. May 2016: Robinhood wins a design award from Google. His personality ends up as a clear fit with WSB subscribers, and eventually someone with his name becomes a WSB moderator. Martin Shkreli, the pharmaceutical executive best known at the time for raising drug prices, gets an invitation to join WSB while he's doing a Reddit Q&A. 24, 2015: Bigger names start to take notice of WSB. WSB, meanwhile, has about 18,000 subscribers. Within two weeks, the number of daily active users nearly triples, from 67,063 to 176,883, according to data from the app analytics company Apptopia. ![]() ![]() Reviews are positive, and it's a challenge to other online brokerages that charge fees for each transaction, such as E-Trade.Īpril 2015: By now, a popular new feature is beginning to appear on WSB frequently, the label "YOLO," short for "you only live once." It starts to capture the culture of the message board, in which people justify taking big, risky bets on the idea that investors should live it up.Īugust 2015: Robinhood launches its app on Google's Android operating system, creating a much bigger possible customer base. It's still tiny by Reddit standards, but the message board has a certain rhythm down: discussion of earnings, advice about how to trade off the news and tales about a "kid" who lost $100,000 by betting wrong on Twitter.ĭecember 2014: After years of development, Robinhood launches its first trading app to the public on Apple's iOS app store. 14, 2013: Robinhood wins approval from the Financial Industry Regulatory Authority to operate as a stock brokerage, allowing it to expand beyond just tracking stocks.įebruary 2014: Barely two years old, WSB surpasses 5,000 subscribers on Reddit, according to SubredditStates, a site that tracks message boards. It targets younger potential investors with a mobile-only trading platform, and it will go on to become a favorite with WSB users. Initially it's just a way to track stocks, but the company is building toward the idea of being an online brokerage with no commissions. ![]() One popular early post is a "great vid" in which investor Mark Cuban says "diversification is for idiots."Īpril 2013: Robinhood is founded in the San Francisco Bay Area. And Reddit's mostly self-regulating communities ensure that users set the culture. Even though it's unorganized and small, it attracts people who aren't interested in relatively boring investments, like index funds, or in traditional ways of measuring the value of stocks. Late 2012: The culture of WSB begins to take shape. Let's play." (Later, the motto will change to something more sinister-sounding: "It's like 4chan found a Bloomberg terminal.") The discussion board will become known by the shorthand WSB. Its initial motto is playful, with little hint of what is to come: "Inspired by earnings seasons. January 2012: The "wallstreetbets" subreddit is created by Jaime Rogozinski, an entrepreneur living at the time in Washington, D.C. Here's a timeline of how r/wallstreetbets, also known as WSB, and Robinhood came to be. ![]() Among other materials, 76,000 tons of steel were used.The Willis tower in figuresīelow are some incredible facts relating to this iconic building of the Midwest: Since its construction nearly fifty years ago, its tenants have included Goldman Sachs, Northwest Industries, various local radio stations and Merrill Lynch. In fact, the residents launched a campaign called It's the Sears Tower, collecting over 50,000 signatures for the tower to recover its original name.Īlthough they did welcome the Willis Group to the city of Chicago and recognized its contribution to the local economy, they argue that the British holding only occupies 3.6% of the skyscraper, and therefore, it did not deserve to re-christen one of their most cherished and historic buildings. Part of the agreement included the skyscraper's change of name, which was not warmly accepted by all Chicago residents. In 2009, the building was renamed Willis Tower in honor of Willis Group Holdings, a London-based global insurance broker. From Sears to WillisĪfter 18 years, Sears Roebuck and Company sold the tower and left the building. It currently occupies the 26th position, behind iconic tall buildings, such as the World Trade Center or the Shanghai Tower. ![]() The Willis Tower held the title of the tallest skyscraper in the world until 1998, when the Petronas Towers in Kuala Lumpur exceeded it. After various negotiations, in 1972 Judge LaVerne Dickson rejected the claims. In 1974 the Skydeck was inaugurated on the 103rd floor, which now receives more than 1.7 million visitors each year.Īs an interesting anecdote, at the end of 1971, the residents of Chicago and broadcasting agencies expressed their concern regarding the possibility of the height of the new Sears tower interrupting television reception. 2,000 workers took part in the construction at a cost of $175 million. Work began in 1970 and it took 3 years to complete the 110-story tower standing 520 meters tall (including the twin antenna towers, without which it stands at 443 meters). The firm entrusted with designing the world's tallest tower was Skidmore, Owings & Merrill (SOM), which had also designed the Burj Khalifa Willis Tower came to life in 1969, when Sears Roebuck and Company, the largest retail company in the world at the time, needed a new office in downtown Chicago to accommodate its 350,00 employees. This is the story of an emblematic building in the world of architecture. Residents of this mid-west city, however, still commonly refer to the skyscraper by its original name and they even launched a campaign for the original name of Sears to be restored. Purchase online for immediate, paperless mobile delivery.As if it had dual personality, Chicago's highest skyscraper has two names: Sears Tower, which is the name of its original owner and the person responsible for its construction, and Willis Tower, that of its subsequent tenant. Admission to Chicago’s 5 top attractions ( learn more) Next, click the CityPASS Travel Guide link on your mobile CityPASS® ticket to redeem your CityPASS® for a timed-entry ticket. First, purchase CityPASS® online for instant mobile ticket delivery. Visit the attractions at your own pace, in any order, over a 9-day period. PLUS get admission to 2 more attractions of your choice: If you already have a Expedited Entry ticket in hand, Skydeck will honor it.**Ĭhicago CityPASS: See Chicago’s top 5 attractions, hand-picked and packaged together at a 50% savings. **Skydeck management reserves the right to temporarily stop Expedited Entry sales throughout any given day. **Expedited Entry includes General Admission** Save time with express line to elevators! Receive VIP access with express entry to Skydeck elevators!Įxpedited Entry admission saves time with an express line to elevators! Be within 2-4 elevator rides from the Skydeck. AdmissionĬhildren under 3 are FREE! Tickets available online to print at home or for immediate mobile delivery. General Admission includes access to the elevator ride to the Skydeck, and The Ledge, glass floor balconies 1,353 feet over Chicago. Click on the options below to see full details and get your tickets today! ![]() We have a few different options available for purchasing your tickets. ![]() Now click the Plus sign button and it will prompt the file folder to open. Once done, you should see the running interface of the software. Run it on your device after the successful installation. Follow the wizard prompts and install the app. Make sure that you pick the right OS platform for your computer system. The first step you should take is to get the app by clicking any of the Free Download buttons beneath. In addition to that, this can also work with videos in case you need to change the metadata of your video files with support to several file formats.īelow is a walkthrough on how to operate this functional software. On top of that, Vidmore boasts a metadata editor that will enable you to use it as your M4A metadata editor. Apart from that, you can export an audio file to various file formats without any quality loss with support to several parameters for you to modify. There are also several options for you to cut audio which are through the handlebars or by entering the start and end duration time. Moreover, cutting audio files into multiple segments or tracks can be easily done at a great speed using the automatic cutting function of the tool. It is guaranteed to help you edit M4A files by allowing you to adjust the volume and delay of the audio playback. Vidmore Video Converter is yet another useful M4A editor for Mac and Windows PC. On top of that, it is totally free and does not require you to sign up for an account in order to edit tracks. Not to mention the editing and cutting of audio files can be done from the comfort of your mobile and tablet devices. As a matter of fact, you can create ringtones with this tool compatible with your Android and iOS devices. It lets you upload from your local hard drive and edit nearly all major audio file formats. If you are into an M4A editor free for Windows and Mac for cutting, splitting, or trimming your M4A files, Audio Trimmer is far from second. Indeed, Bear Audio Tool is one of the most functional and free M4A editor online programs. Or, reverse a mistake upon editing M4A files. There are also undo and redo functions to revert back to the previous version of the audio file you edited. It comes with a built-in library where you will be able to use various copyright-free sound effects. Despite being a web-based app, it does not fall behind when it comes to features and functionalities. Bear Audio ToolĪs mentioned, Bear Audio Tool is an online program that you can use to edit different audio files from the webpage directly. Using these tools, you do not need to install any software yet you'll be able to accomplish your task just like what you would normally do in desktop programs. There are the 6 M4A editors offered in this post.For convenience and accessibility, the online programs beneath should come in handy. What makes it different is TwistedWave Online supports importing audio files from various sources like Google Drive and SoundCloud. It lets you edit any audio file and record audio on a computer. To edit M4A audio, just drag and drop the M4A file to AudioMass and start editing.Īnother online M4A audio editor is TwistedWave Online. ![]() But this web-based tool only lets you export audio files in MP3 or WAV format. Although AudioMass is not as powerful as a desktop-based audio editor, it still can help edit audio files precisely and quickly. It’s a free M4A editor that has all the basic audio editing tools and audio effects. If you want to edit M4A files online, here recommend AudioMass. ![]() DJ Audio Editor also offers a large library of effects that you can when editing M4A files. It supports editing audio files, enhancing audio files, and recording audio from various inputs. This is a simple M4A audio editor, which has an intuitive interface. It’s powerful, which can trim, join, split and delete audio files, turn speech to text, record audio on computer, remove unwanted noise and create ringtones for iPhone. AVS Audio EditorĪVS Audio Editor supports editing audio in a wide range of formats including M4A, WAV, MP3, FLAC, WMA, AAC, AMR, and OGG. In addition to editing M4A files, WavePad can help you convert M4A to MP3 or another audio format. It also allows you to add some audio effects to M4A, such as amplify, reverse, normalize, reverb, and echo. It’s packed with many audio editing features like cut, copy, paste, delete, insert, auto-trim, silence, etc. WavePad is an M4A editor for Windows, Mac, Android, and iOS. Otherwise, you will receive an error message “Audacity cannot open this type of file”. To edit M4A files in Audacity, you need to install the optional FFmpeg library. The best part of this tool is that it’s capable of removing vocals from a song.Īudacity doesn’t natively support M4A. You can use it to cut, merge, record audio files and apply some audio effects. Audacity is a free audio editor that can edit audio in WAV, AIFF, MP3, AU, FLAC, and Ogg Vorbis. (The question could be worded slightly differently in game we don't remember the prompt 1:1)Ī game you only play when you're really really really REALLY bored.Īnswer: Word Spud ( Credit to TheDude722 ). The most boring name of a competitive reality TV show. The Title of the YouTube Video with the MOST negative comments.Īnswer: Quiplash ( Credit to CLARION 85 ). (On that list you will also see strategies to potentially find new answers to prompts yourself).Ĭasinos hate it when you walk up to the blackjack table and yell "_!"įamily game night got deadly silent when Grandma suggested we play _.Īnswer: Quiplash ( Credit to DanielBCook ). Here is a list of all known answers to prompts that trigger a Schmitty voice line, and they are also listed below. With that, this achievement is somewhat RNG related as you'll have to grind games to get specific prompts. The hard part is finding the correct answer that triggers it. Now this is maybe the hardest achievement in the whole pack.Įvery prompt in Quiplash has exactly one answer that will trigger a voice line from Schmitty. Was in last place at the end of either the First or Second Rounds and then win the game When the game is over, One will have went from last place at the end of Round One to first place at the end of Round Three. WIN." (you don't need to do the BEAT SCHMITTY NOW anymore.) Lastly, do the exact same thing you did for Round Three last game using "WIN. During voting time, have every player vote for "WIN" and split the votes on other prompts like before. Now once Round Two starts, have One enter "WIN" in for every prompt. After voting ends, One will be in last place. For all the other prompts that don't have "LOSE" as an option, split the vote like before. Once players can enter prompts, we are gonna do the same thing from last game but instead of One saying "WIN," they will say "LOSE." During voting time, have every person vote against "LOSE," causing One to get no points. I highly recommend naming them One, Two and Three. Got a Quiplash on every answer in Rounds One, Two and Three One got a Quiplash on every answer they provided and the player got a Quiplash against Schmitty. Once voting time ends and the final scores are revealed, you will get both achievements below. For any other prompt, split the vote like before. NOW." appears, have every player vote for it. WIN." appears, have every player vote for it. Once voting time begins, the process is the same as before. WIN." After doing that, go through all other players and enter random things for their prompt. Now go back to One and answer their question with "WIN. Once you find out, go to that player's tab and answer with "BEAT. Listen for the game to tell you which player is against Schmitty. Also, due to the fact you are playing a game with an odd amount of people, Schmitty will play too. In Round Three, players are given a question that requires them to answer with three sentences. Once Round Two is done, Round Three beings. Repeat the above paragraph again for Round Two. Have one person vote for the left, and have two people vote for the right.Īfter all prompts are done, Round One will finish. Now when a prompt appears and neither of the answers say "WIN", split the vote. You will then have to do this one more time during the round as "WIN" will appear again. When a prompt appears on the screen and one of the options to vote for says "WIN," have every player vote for that answer. ![]() Once all players have entered their prompts, voting begins. Upon starting the game all five tabs will get prompts.įor One, answer both prompts with the phrase "WIN." For every other player, just enter a letter or something random. I highly recommend naming them One, Two, Three, Four and Five. ![]() Before starting the game, go to Settings and make sure 'Extended Timers' is on. |
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