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Addressing Canada’s Employment Insurance Gap For Self-Employed Workers
Source: TD Ksenia Bushmeneva, Economist Dated July 15th, 2020
While the pandemic had devastated the overall labor market, workers in more precarious and non-standard work arrangements have been especially hard-hit.
Yet, many of these workers do not have access to employment insurance (EI) or run a higher risk than regular workers of not meeting qualification conditions. Only 64% of unemployed Canadians contributed to EI in 2018, meaning that millions would be left without financial assistance in the absence of the Canada Emergency Response Benefit (CERB).
Extending EI coverage to non-standard workers does have challenges. However, there is a growing understanding among many countries that these workers require social protection. More than two thirds of the OECD countries offer at least partial coverage for the self-employed. Their experience offers valuable lessons if Canada decides to follow suit.
The labor market recovery is likely to be uneven and protracted. This is especially true for self-employed and other non-standard workers, since their hours and incomes are more volatile and less protected. Having a more inclusive system with a broader contribution base, which accommodates non-standard workers but also includes a larger number of regular employees would help strengthen the recovery and build on economic gains achieved so far through the temporary CERB program.
The COVID-19 pandemic delivered a sudden and devastating blow to the Canadian labor market. Between February and April, millions of people lost their jobs as employment plunged by 16%. Unlike in previous recessions, the impact this time around has been disproportionately felt by workers in more precarious employment arrangements: part-time, temporary and self-employed, who are less likely to have access to unemployment insurance (EI). These types of work arrangement are more prevalent in the service sector industries, many of which have been hard-hit during this downturn. As of June, year-over-year (y/y) employment in part-time and temporary positions was down by 17% and 24%, respectively (Chart 1). For multiple job holders, employment fell by nearly 40%. By comparison, the 7% y/y decline in permanent positions seems relatively modest.
As dramatic as these declines are, they may still under-represent the pandemic’s toll on employment and incomes. Notably, overall hours worked fell more than employment during the months of lockdown and social distancing. This is especially true for non-standard workers who were more likely to work fewer hours than regular employees. For example, while self-employed workers saw only a 3% drop in employment since February, 43% of self-employed worked less than half of their usual hours in May (Chart 2). By comparison, among all employees, only 9% worked less than half of their usual hours. Moreover, self-employed people who were away from work were more hard-hit financially as they were far less likely to still be paid. Among incorporated self-employed workers with zero hours, less than 1 in 10 received pay compared to 1 in 4 for regular employees in the same situation.
As a result of the significant drop in hours worked, a far larger portion of the labor force was underutilized than suggested by the unemployment rate alone. While the official unemployment rate was 12.3% in June (equivalent to 2.45 million people), Statistics Canada noted that nearly 27% of the potential labour force was ‘underutilized’. The significant gap between the drop in the hours worked versus the more modest decline in employment helps to explain why 8.3 million of people have applied the Canada Emergency Response Benefit (CERB) (at any point during this crisis).
It is clear that self-employed and other non-standard workers were more impacted by the pandemic. Yet these workers usually have the least access to social safety nets, such as EI. Currently, EI unemployment benefits are mostly accessible to employees in the most traditional sense of the word: those that work full-time in a permanent positions for a single employer. By contrast, self-employed workers are not eligible for EIi, and, while those in temporary, contract and part-time positions are eligible, they might not have a chance to accumulate enough insurable hours to qualify because their work arrangements are less stable. Due to lack of EI coverage and significant loss of hours, nearly 40% of self-employed workers applied for CERB benefits, while only 12% and 5% of private and public employees did (Chart 3).
The reasons why some workers, such as those that are self-employed, are excluded are rooted in the design of the EI program. The program is based on insurance principles, with both employers and employees paying into it through mandatory contributions. The corollary is that those workers who have not paid in, as well as those who have left voluntarily without just cause, are disqualified. Contributions are also intended to make the program self-sufficient in the long-run as has been the case in Canada in recent years. In the case of self-employed workers, there’s also an issue of moral hazard when it comes to determining what represents a valid job separation (more on this in the section below: “What Complicates Offering EI Coverage For Non-Standard Workers”). For this and other reasons, many non-standard workers are currently ineligible for unemployment insurance.
These gaps in coverage have been growing as the job market has steadily tilted towards more non-standard work arrangements. In 2018, only 64% of unemployed Canadians had contributed to EI.ii Even among workers who have contributed, only 88% had accumulated enough insurable hours to qualify for benefits, which, depending on the regional level of unemployment, ranges between 420-700 hours in the 52-week period. The combined influence implies a relatively low EI coverage ratio for Canadian workers – out of 1.1 million Canadians who were unemployed in 2018, only 56% were eligible for EI.1 The share of unemployed workers who actually received EI benefits is even lower, averaging slightly above 40%.2 This is considerably below the median coverage among developed counties, which is around 60%.3
Due to data limitations and because non-standard workers include many different types of employment arrangements which may overlap, it is difficult to know with precision the prevalence of non-standard work in Canada. About 15% of Canadian workers are self-employed, while 17% work part-time. In 2016, Statistics Canada estimated that gig workers (self-employed freelancers, on-demand online workers and day labourers) accounted for roughly 8%-10% of Canadian workers. About half of those workers were relying exclusively on their gig income and had no other employment, making them ineligible for EI benefits.4
The low coverage rate and other limitations of the current EI system have been highlighted extensively in other research literature.5 For example, the fact that benefit eligibility and generosity varies geographically across Canada implies that there’s significant variability in coverage rates across provinces. EI coverage ratios are particularly low in Ontario, British Columbia and Alberta – all three provinces which also have above-national prevalence of self-employment (see Charts 4).6
In order to mitigate these shortcomings in the near term, the Canadian government rolled out the CERB program. Compared to EI, CERB qualification rules are very straightforward and were a quick means to provide financial assistance to an extremely broad and large number of applicants that included previously uninsured workers. CERB’s eligibility replaced the insurable hours threshold with a low and uniform income threshold, with anyone over the age of 15, having earned more than $5,000 in income in 2019 and who have lost their job or hours due to COVID-19. This had provided a helping hand to millions of non-standard workers in Canada. However, it has come with a steep price tag: in just three months since it was launched the government had already paid out $55 billions in benefits (as of July 5th) – nearly three times last year’s annual spending on EI and $28 billion more than it had predicted at the conception of the program.
CERB coverage was originally offered for 16 weeks, and was recently extended for an additional 8 weeks. However, it will start expiring in September for the earliest recipients, long before the labour market and certain industries are back to health. Unless adjustments are made to the EI program to accommodate non-standard workers, many of them may suddenly find themselves without unemployment assistance.
What Complicates Offering EI Coverage For Non-Standard Workers
Limited social protection for self-employed and other non-standard workers is not an issue unique to Canada. In most developed countries, non-standard workers have lower social protection compared to regular employees, with unemployment benefits being the least accessible benefit (Charts 5-8). Why is that and what makes implementation of unemployment insurance coverage for self-employed workers challenging for policymakers?
First of all, providing unemployment insurance for self-employed workers (and other non-standard workers) raises the issue of moral hazard. Put another way, presence of EI coverage may change behavior of self-employed workers making them less likely to take on work and more likely to remain unemployed. Non-standard workers tend to have more variable income, and they are far more likely to have lower future earnings than regular employees due, for example, to smaller assignments and contracts, or flexible pricing on various labor platforms (e.g. Uber). Lower expected future earnings could prompt them to quit in favor of EI benefits. More volatile earnings also make it more challenging to determine the appropriate income replacement rate. However, one solution to this could be to use income averaged over a period of time.
Secondly, for regular workers, reasons for leaving a job are transparent and can be verified with the employer. This is difficult to achieve in the case of non-standard workers. For example, if they avoid smaller assignments, then they will lose work but this will be impossible for government agencies to determine.
Some countries (e.g. Sweden, Austria, Slovakia, Spain) offer a voluntary option for self-employed workers to enroll into an employment insurance plan. However, a voluntary arrangement raises the issue of adverse selection. Workers with the highest risks or those that are most likely to make a claim have the greatest incentive to join, which limits the risk-sharing aspect of the program.
Adverse selection is something that Canada experienced first hand when it introduced the Special Benefits for Self-employed Workers (SBSE) in 2010 through the EI system, which allowed self employed workers to opt-in to gain access to maternity and parental benefits, sickness benefits and compassionate care and caregiver benefits. A 2016 program review study found that the characteristics, such as gender, age and income, of the self-employed workers who participated in the SBSE program were considerably different from the general sample of self-employed workers. In focus group studies, participants also indicated that the likelihood of making a claim was an important consideration for their decision to register for the benefits.7 Other issues with the voluntary scheme included a relatively low take-up rate, which in turn led to relatively high administration costs and required significant government subsidies to cover benefit payouts. Longer-run, low coverage is problematic for voluntary, contributions-financed, unemployment insurance schemes, as adverse selection could lead to a vicious cycle of rising insurance premiums and falling coverage. Meanwhile, achieving high coverage may require significant public subsidies because individual willingness to voluntarily pay for unemployment protection appears to be low.8 For those reasons, voluntary coverage schemes do not appear to work well in the case of non-standard workers.
Lastly, the current EI system is based on contributions from both employees and employers. In the case of the self-employed, it is not clear who will pick up the tab for the employer portion of the contribution. If the government subsidizes the employer portion, it could create adverse incentives for employers to hire a self-employed worker to reduce non-wage related labor costs. However, a lack of coverage for non-standard workers could also lead to this outcome, contributing to a rise in non-standard forms of employment. For example, in Italy, para-subordinate workers (self-employed but highly depended on one or very few clients) used to pay significantly lower pension contributions and were not eligible for unemployment and sickness benefits, resulting in significantly lower non-wage labor costs and a rising number of para-subordinated workers. In response to this Italy had gradually increased their contribution rates and expanded coverage. Levelling the playing field led to a significant decline in the prevalence of this type of employment. Austria had a similar experience with independent contractors.
Some Solutions Based on The International Experience
Despite the challenges in expanding unemployment insurance to non-standard workers, there is a growing understanding among many countries that the growing share of non-standard workers need social protection. As a result, more than two thirds of the OECD countries now offer at least partial unemployment benefits to self-employed workers. There’s a great variety of schemes, ranging from mandatory to partial and voluntary coverage, and no two are exactly alike. Still, their experience offers valuable lessons for Canada if it wishes to incorporate self-employed (and potentially other non-standard) workers into its EI system.
So what are some of the solutions of dealing with the higher moral hazard issue for non-standard workers? Lower level of EI benefits or a more restrictive access could be imposed in order to incentivize individuals to search for work or to keep their current job, and to offset higher level of moral hazard. In Sweden, for example, the moral hazard issue is mitigated through more restrictive access, allowing self-employed workers to claim benefits only after 5 years have passed since the previous claim. There is also a requirement that the firm has been shut down, which acts as an additional deterrent.
To mitigate adverse selection, upon starting a business, self-employed individuals in Austria have six months to decide whether they would like to participate in the voluntary unemployment insurance scheme, and that decision is binding for 8 years. In Canada, only half of startups survive to their eight-year anniversary, so there is a high likelihood EI could be used at least once by many self-employed business owners during this time period.10
Generally speaking, based on the OECD review,11 there appears to be a consensus that voluntary coverage schemes, particularly the ones with little or no commitment, such as Canada’s EI SBSE for the self-employed, are quite rare and do not work well to accommodate non-standard employment due to prevalent adverse selection, low participation and the significant public subsidies required to operate them.
On the other hand, mandatory EI contributions and coverage, like the one that currently exists for regular employees, would resolve the issue of adverse selection, hold more closely to the principle of risk sharing within their peer groups, and help to lower program costs. However, results from past surveys conducted in Canada found that there was little support among the self-employed for a mandatory contribution scheme.12 Due to the nature of their work, many self-employed workers indicated a preference to minimize their absence from work (to avoid the risk of losing clients etc.) suggesting that, unless their contribution rates are significantly lower, self-employed workers may get less “value-for-money” from EI programs, such as for example maternity/paternity leave, than traditional employees. The less predictable nature of their income means that they are likely more in need of an income protection program rather than employment insurance.
Indeed, based on surveys, their preferred financing option for temporary work/income disruptions was a tax-sheltered savings account.13 This is another viable alternative to contributions-funded EI, however, the downside is that individual contribution rates would need to be significantly higher in order to generate sufficient savings because there will be no splitting of contribution between employers and employees. There is also a risk that individuals, particularly those in part-time or low-income jobs, may not be able to accumulate sufficient savings to weather the unemployment or low-earnings spell.
For other non-standard workers, such as those with flexible hours or doing work for an online platform, one solution would be to introduce a wage premium for employees doing flexible work. This would compensate workers for the added income uncertainty. In Australia, for example, casual workers are entitled to a wage premium or have a minimum hours guarantee.
Lastly, if the goal is to make social protection more universal and harmonized across all forms of employment, a means-tested social protection system financed through general taxation, similar to that of Australia and New Zealand, could be adopted. However, moving to these systems would require a complete overhaul of Canada’s current contribution-based EI.
The labor market recovery is likely to be uneven and protracted. Even those workers that were able to return to work could remain underutilized and continue to face lower earnings due to social distancing restrictions and weaker consumer demand for a considerable period of time. This is especially true for self-employed and other non-standard workers, since their hours and incomes are more volatile and less protected. The rollout of CERB during the pandemic has been very helpful to address gaps in coverage within the current EI system. However, looking ahead, a more sustainable and permanent solution is required for workers outside the EI system. Having a more inclusive system with a broader contribution base, which accommodates non-standard workers but also includes a larger number of regular employees through more inclusive qualification criteria would help strengthen the recovery and maintain economic gains that were so far accomplished through CERB.
The traditional EI system is based on a binary choice of whether or not someone has a job. It is clear that with non-standard forms of employment becoming more prevalent, fewer people fit into that box. These workers need some form of insurance against joblessness as well as income volatility both during the current economic recovery and in the future to address the changing nature of employment relationships. Many OECD countries now offer various options for non-standard workers to participate in unemployment insurance systems, and their experience offers valuable lessons if Canada decides to follow suit.
Since 2010 self-employed workers can voluntarily participate in EI Special Benefit for Self-Employed Workers (SBSE) to gain access to many life event-type benefits accessible to regular employees, such as maternity and paternity leave programs, leave due to sickness or to care for an sick family member. In addition to this, current EI system allows certain exceptions for some non-standard workers. For example some individuals who work independently as barbers, hairdressers, taxi drivers, drivers of other passenger vehicles are eligible to receive benefits through the regular EI program. Fishermen are also included as insured persons under the EI Fishing Regulations. In the case of the self- employed fishermen, EI qualification is tied to income. In order to qualify for up to 26 weeks of benefit, they need to have earned between $2,500 to $4,200 in the last 31 weeks.
The two main reasons for not contributing to the EI program were not having worked in the previous 12 months, and non-insurable employment (which includes self-employment).
2019 Offseason Review Series: Day 18 - The Carolina Panthers
Team: The Carolina Panthers
Division: The NFC South
It’s that time of year again! After a season that could best be described as “a hangover you don’t deserve”, we watched the Panthers soar to a 6-2 record. After a beatdown of eventual playoff caliber Baltimore, It finally looked like we were poised to shrug off our non-consecutive winning streak habit. But it was not meant to be. A combination of shallow defensive depth and a lingering shoulder issue for Cam Newton saw us collapse down the stretch, and we ended 7-9 winning only a single game. After watching the sharp downturn of our fortunes, questions surrounding our QB’s health and a major exodus of our most tenured veteran talent, one could be forgiven for a glum outlook on the franchise’s future going into this offseason. But despite the spirit in which we entered it, this offseason has been a resounding success. And one that leaves little doubt that we’re an improved team despite our more prominent losses. What follows is a point for point breakdown in how we made the transition from collapsed contender to potential comeback story.
None whatsoever. From both the commentator sphere and other fanbases, the Panthers were pretty roundly rebuked for hiring offensive coordinator Norv Turner. Despite alarms being raised over 7 step drops and an over reliance on deep shot, Turner was a revelation for our offense. He apparently meant every word of emphasizing high completion throws and taking pressure off of Cam, and we began to see looks for our QB that were totally absent in the Mike Shula era. He’s now had a chance to throw dump offs, and to have reliable comeback options. Cam, prior to breaking down, was enjoying one of the best seasons of his career and despite the shoulder injury, still finished with a career high completion percentage. Christian McCaffery, our other offensive mainstay, saw his rushing efficiency go from 3.7 YPC his rookie season to 5.0 yards in year two, with his total scrimmage yardage upticking from 1,086 to 1,965 in Norv’s new passing and blocking system. Turner’s tenure thus far has been an unmitigated success and a refreshing change of pace from the stale, dull system we fell into under Shula. The other transition, from Steve Wilkes to Eric Washington at defensive coordinator, yielded decidedly more mixed results. Washington, simply put, was not good in his transition from the DL coach. In over his depth. He struggled all year, culminating in Rivera assuming defensive playcalling down the stretch. The turnaround in our defense once he did was remarkable, though by that point, Cam was falling apart so visibly that what happened on that side of the ball no longer mattered. Washington has been retained for the upcoming season, but Rivera’s going to keep the playcalling duties. And captaining the ship is Rivera himself. Despite a call for his head among our fanbase’s more frustrated elements, Rivera was kept for 2019. And I’m glad for it. All or Nothing (though I’ve not had a chance to see it) provided a window into his management style, vindicating some like me who pushed back against narratives that he was a dispassionate robot. And while I’m a bit higher on Ron than many, I don’t think it’s unsafe at all to say that none of the coaching hires would have represented an obvious upgrade. At the end of the day, Rivera lead a squad to 6-2 before his QB’s season derailed, which is not really on him. He could maybe be criticized for letting Washington fail for too long, but at the end of the day, few of our woes from last year can be solely attributed to him. While this is certainly a put up or get out year for Rivera, I have little doubt that he’ll be leading the gang come 2020 as well.
Thomas Davis, LB - Now we get into the stuff that hurts. And this one really, really hurts. I understand it. We needed to figure out whether Thompson could stand on his own like, yesterday so we can decide his long term potential. Davis, while still playing at a high level, is an old man for the position he plays. Letting him walk was a logical decision. But none of it changes the fact that Davis has been the soul of this defense for over a decade, and was easily one of the most beloved players and leaders over the 14 years he spent with us. He will be missed, both for his play and his spirit. Julius Peppers, DE - Speaking of franchise staples, long time DE and future Hall of Fame inductee Julius Peppers’ watch has ended. Unlike Davis, who we simply allowed to leave, Pep has called it a career. And what a career it was. Though almost every single article about our defensive adjustments leads off with “With Peppers retiring, the Panthers no longer have anyone who can rush the passer”, the reality is that Pep did far less than his opposite in Mario Addison to that effect. Though he came back to us in 2017 with a monster 11 sack season, that number was always misleading given how few pressures he accomplished it on. Last year, he came back down to earth. It was time, and while I wish we could have given Pep one last, Super Bowl winning hurrah, a new direction was needed. Ryan Kalil, C - Ryan Kalil rounds out our list of beloved departing veterans. The anchor of our offensive line for 12 years has hung up his cleats. Of all the offseason changes, this was by far the scariest, as the difference between Cam with and without a good center of the course of his career has been stark and terrifying. Kalil was a damn good player right up to the end, though the rash of injuries he suffered between 2016 and 2018 clearly took their toll on his performance. And while we have replaced him (and debatably upgraded), Kalil was both a locker room leader and a damn good contributor that will be missed by all. Devin Funchess, WR - We now get into the departures who will be less missed. Funchess, admittedly, gets a bit of a bad wrap from our fanbase who often talk about him as though he were trash. While not trash, he is at least very replaceable. In fact, Funchess replacement began well before the expiration of his contract, as he had been fully supplanted by rookie DJ Moore and sophomore Curtis Samuel down the stretch last year. By the end, he was a healthy scratch. While I’m sure he’s going to put up numbers in Andrew Luck’s offense, Funchess is no sort of elite talent. He’s a big body who fails to gain separation and who inconsistently leverages his size to his advantage. I view his upside as a Brandon LaFell type of guy. And that type of guy is no longer a fit for what we’re trying to do. Matt Kalil, OT - If the Carolina fandom is ambivalent about Funyun’s departure, we’re positively giddy about this one. Cut with a June 1st designation, Kalil saved us the money that allowed other moves to be possible. Though the shine has come off the diamond that was Gettleman’s tenure with us, the man often doesn’t get the credit he should. He did do a great deal for us, particularly his completely unheralded building of our OL (No less than 3 of our 5 starters this coming season will have been Gettleman acquisitions). But by far the biggest mistake in his tenure was the massive albatros of a contract he doled out to Matt Kalil, who could not have failed more spectacularly (or predictably) to live up to it. Mike Adams, FS - I speak on behalf of the fanbase when I say that we have nothing but respect for Adams. He was a solid player and a veteran leader who spent his last two years giving lift to a secondary that hasn’t seen a great safety tandem since the Clinton Administration. But your eyes don’t deceive. We really were running his 37 year old ass out there as a free safety. And that simply could not be allowed to continue. I wish Adams the best, but it was time to move on.
Matt Paradis, C - Here’s the fun stuff. After losing Kalil to retirement, we signed former Broncos safety Matt Paradis to replace him. At only 29, Paradis represents a significant youthening at the position, and for a guy whose upside is top 5 at the position, we got him at a significant discount. Obviously that discount was due to medical risks, which prompted his release by the Broncos in the first place. But Paradis’ has been fully cleared from day 1 and avoided the PUP list. By all accounts, he’s in tip top shape. We’ll obviously see how that holds up as the season gets underway, but Paradis is definitely one of the steals of the 2019 free agency period and I could not be happier to have him. His arrival is enormous for our prospects, and has turned our biggest positional question mark into an area of strength. Daryl Williams, OT - It’s a bit disingenuous to call Williams an arrival, as he never actually left. But that he never left is nothing short of remarkable. After a 2017 All Pro season, Williams suffered a major setback of an injury in 2018 training camp that eventually turned into a season ending injury after he tried to rush back. Still though, the League is constantly hungry for All Pro level OT talent and I was sure Williams was going to get scooped up. Instead, he signed a 1 year, $6 million deal to come back to us, and short of black magic I’m not entirely sure how Marty Hurney pulled it off. Williams is a terrific player who can play many parts of the OL. He can slot in at LG if rookie OT Greg Little can win the LT job, but also provides insurance at LT if he can’t. He and Moton playing opposite one another represents the best OT tandem that Cam Newton has ever enjoyed. Gerald McCoy, DT - Awwwww yeah! My all time favorite Tampa Bay Buccaneer is now a Carolina Panther. McCoy is a rock solid DT who truly needs no introduction from me. How we plan to use him is a bit murkier, but use him we definitely will. I suspect to see McCoy playing DT opposite Kawaan Short in our 3-4 looks (more on that in a minute), to line up next to him in our 5-2 looks, and to work with him on pass rushing 4-3 sets. He adds more juice to a pass rush that already saw a healthy injection of talent this year, and is more consistent in the run game than some of the other DL on the roster, which was a notable area of weakness last season. He fits the versatility first mold that’s going to allow Rivera to mix up our defensive looks as transition fully to a hybrid, and is a terrific leader in the locker room besides. Our beat writers have described him as “joined at the hip” with Kawaan Short, and I fully expect the pair to make one another better. Bruce Irvin, OLB - Perhaps the first real signal that this wasn’t going to be the Carolina defense of yesteryear, Irvin is a vet leadership, change of pace signing. In moving to a hybrid defense, we acquired a number of rookie talents to complement OLBs like Marquis Hayes. Irvin rounds out that group, and provides us with a valuable cog in pass rushing sets and a good leader for the younguns. Though he’s not as disruptive as he once was, Irvin is a rock solid player who provides us with quality depth and leadership. Chris Hogan, WR - A graduate of the Patriots Random White Guy Academy, Hogan flashed serious potential for his first couple of years in New England before getting gradually phased out of the offense. I’m not expecting much, but he has the potential to help us on deep balls and it’s generally never a bad thing to have more talent at WR. Aldrick Robinson, WR - Robinson does one thing and one thing only, which is catch touchdowns. Conveniently, that’s one thing we struggled with last season. But with Greg Olsen now fully healthy and a sudden wealth of other options at WR, I would give Robinson long odds of making the roster.
Pick 1.16: Brian Burns, DE/OLB - I am still in shock that Brian Burns was available at pick #16. I wanted him very badly, but I was certain he’d be an Atlanta Falcon. Instead, people allowed him to fall all the way to us and I couldn’t be happier. Burns is the apotheosis of what we’re trying to accomplish with our defensive transition. He’s a guy as comfortable upright as he is with his hand in the dirt. While he lacks strength as a run defender, he has incredible burst off the edge and a ludicrously high ceiling as a pass rusher. I think he landed on a terrific team to turn that potential into reality and I’m extremely excited about what he can do with us. Pick 2.37 Greg Little, OT - Every description I’ve ever read of Little has described him as “Pro Ready”, and the team clearly drafted him with an eye on starting at LT. Luckily, we’ve hedged that bet a bit with the Daryl Williams signing, but Little still projects as a talented young player with a high floor and a well rounded skillset. If not the LT starter this year, he’ll almost certainly have the job to himself next season. PIck 3.100 Will Grier, QB - Boy did this piss people off at the time. Though cooler heads have since prevailed, this pick was seen by one group of reactionaries as an indictment on Cam’s health, and another as a wasted pick on a player who will never produce for us. The reality is neither. While Cam’s health is in good shape (put a pin it), we were put in a position last year in which he needed to rest a clearly deteriorating shoulder, but we had no faith in the men behind him to win games. If that’s the state of your backup, you need a better backup. This is a team that has seen playoff runs hinge on a game or two that Derek Anderson filled in for. So even as high as pick 100, Grier was a worthy investment. In terms of his playstyle, Grier slots as an accurate QB with a good deep ball and a cerebral style, but average arm strength and mediocre release. Pick 4.115 Christian Miller, OLB - Like Burns, Miller projects as a do-all DE/OLB who can play either upright or down low. He’s an athletic prospect whose game is a bit raw, but who checks all the measurable boxes. Likely a top 50 player before injuries kept him out of the pre-draft process, Miller represents a hell of a value at 115. I suspect we’ll see he and Burns as long term staples of the pass rush. Pick 5.114 Jordan Scarlett, RB - This was a bit of an odd one, but I’ve warmed to it over time. Scarlett is a bruising, violent running back who I’m almost certain was drafted to lend a hand in the red zone. As a change of pace to CMC, the two could not be more different. But coaches thus far have raved about his conditioning and power, so the pick may not have been as crazy as it looked at the time. Having said that, while I don’t think anyone should ever get upset over a 5th round pick, I do think we could have found better value at this position. Scarlett wasn’t likely to be gone by the time we selected our next player. Pick 6.212 Denis Daley, OT - I like this pick quite a bit. Daley had a rough statline in terms of sacks allowed when facing a veritable who’s who of elite college pass rushers (Jachari Polite, Josh Allan, Clelin Ferrell among them). But in spite of that, scouting reports consistently cite both his physical gifts and his improvement as the season went on. If he can cut down on his most egregious habits (most notably his overeager lunging at edge rushers), he has legit starting potential. Pick 7.237 Terry Godwin, WR - Godwin’s whole game is predicated on speed and football IQ. At 5’11, it’s certainly not coming from his physical measurables. But he was by all accounts a high work ethic, smart players who contributed admirably in his four years as Georgia starter. Godwin’s ceiling is likely a Curtis Samuel backup, but his early rapport with Cam makes me think he’ll stick on the roster despite his late draft spot.
Strengths and Weaknesses
Offense - With Cam’s health reportedly looking good (particularly his ability to throw deep; something he was never capable of throughout Camp) and the team adapting so well to Norv Turner’s system, I think offense as a whole is a good place to start. Though I said it last year, only to be hilariously wrong, Greg Olsen is operating at 100% as well, which provides a boost to our red zone effectiveness that is difficult to measure. By the end of last year, both DJ Moore and Curtis Samuel appeared to be on the cusp of a major breakout, both proving themselves so reliable that Devin Funchess was a healthy scratch by week 17. Those two should continue to grow, and Jarius Wright has proven to be a valuable slot receiver. And, of course, there’s CMC, who will continue to be our best offensive weapon not named Cam Newton. With good health and plenty of diverse options, I suspect the good times to continue to roll as we enter year two of Turner’s stewardship. Offensive Line - I can’t emphasize this enough, but our offensive line is nasty. With Williams’ return, we now have an All Pro OT to pair with breakout sensation Taylor Moton, which makes for an excellent tandem. Matt Paradis replaces, and if we’re being honest, provides an upgrade over Ryan Kalil, and Trai Turner is as effective a RG as ever. LG will likely be manned by whichever of Williams or Little doesn’t win LT, and Greg Van Roten (who’s performed admirably at the position) is still in the building as well. This is a very solid group of players, and a massive upgrade over what we had to work with last year. Pass Rush - This was a major area of concern last year, but I’m happy with where we’re at now. The transition to a hybrid defense was the right call for our personnel set, and between the draft and free agency, we’ve upgraded across the board. McCoy is a huge boost to our interior pressure and Brian Burns should contribute immediately. Efe Obada will likely continue to grow, and the new system is a much better fit for talented sophomore Marquis Hayes. Irvin is solid rotational addition as well, and Mario Addison is as stalwart a pass rusher as ever. All in all, we’ve gone from an extremely one dimensional pass rush to one that is versatile and capable of throwing multiple looks at our opponents. We will be hard to predict and hard to stop when we come at the QB next year. Weaknesses Run Defense - Though I’ve seen little attention paid to it, I’m very concerned about our run defense this year. Although we’ve beefed the hell out of the defensive front, few of these pieces excel in run defense. McCoy has mostly staked his reputation on being a 3 tech. Hayes, Miller and Burns were all flagged as prospect that lacked run support talent. Poe was miserable in defending the run last year, and it’s never really been Short’s bag. In terms of yards per carry, we finished 8th overall which sounds good. But this was mostly on the strength of changes when Rivera took over the playcalling, as backs tended to run over us consistently early in the year. As long as we have Luke, our run defense will be solid. But I do worry that with so much (needed, mind you) emphasis put on rushing the passer, we’ve left off this part of the game. The Secondary: As always with us, the secondary is a concern. It is, to be fair, less a concern than in previous years. Donte Jackson and James Bradberry both enjoyed very solid campaigns last year, and the former has allegedly done a lot of growing over the previous season. Eric Reid represents a good, solid strong safety. But free safety is, as ever, a mess. The job is going to sophomore player Rashaan Gaulden, but I think his capturing the position unopposed has less to do with what coaches see in him, and running out of money after doling out contracts to Paradis, McCoy and Williams. Our secondary, while improved, was inconsistent last season and was the primary reason we finished in the middle of the pack. And honestly, that’s about it. This is one of the strongest rosters Carolina has fielded in the Riv-Era, at least on paper.
Cam’s Health - Those of your who frequent nfl have likely seen my refrain on this many a time, but Cam’s health is not as dire as last season made it look, and the Andrew Luck comparisons have always been, frankly, crazy. In 2016, Cam tore his rotator cuff. He rushed his recovery in order to play in 2017. This created a buildup of scar tissue which, when coupled with a minor bone spur, caused a great deal of swelling this year that put Netwon in pain and limited his range of motion. It’s one of those injuries that, while not terrible by any means, does require either surgery or a great deal of rest. Cam, by virtue of being alpha and omega to this team, had the luxury of neither. The swelling persisted until he could barely throw. While that looks scary, the actual diagnosis was not that grim, and a simple shoulder scope as cleared the damage. By all accounts, he’s 100% and even making throws that he was incapable of these last two years. Bill Voth, who was the first (and for a long time, only) writer sounding the alarm on Cam’s strength as far back as 2017, has said that he’s making throws that look like his old self routinely. However, we are putting him on a pitch count. This like likely vet maintenance rather than a source of genuine alarm. But after the last couple of years, he does make you sweat a little. OL Health - The major fly in the ointment when it comes to Carolina’s optimism over its OL is that big if healthy caveat. If healthy, Paradis is a top 5 Center. If healthy, Williams has All Pro talent. 4 days into camp, however, neither is participating in serious pass rush drills and only today suited up in pads. It is possible that they’re just being eased along. They did avoid the PUP list, which we were almost sure was going to get Paradis at the very least. So they appear to be alright. But if they’re not, or they reinjure again, we go from being an extremely strong team to a fatally flawed one. A great deal is riding on the health of those two players, and the entire house of cards could fall apart quickly if they’re unable to deliver. Greg Olsen - The one health flag that I do have complete confidence in is tight end Greg Olsen. Suffering a series of foot breaks, he is now moving around at 100% capacity and has been medically cleared for all activity for months. Bone breaks are, when all is written, temporary injuries that often heal stronger when they actually get a chance to heal. Our most trusted beat writers, Voth and Rodrigue, have both been crystal clear that he looks like his old self and that his connection with Newton is as faithful as ever. What I’m less clear on is his role in the offense. For years, Greg Olsen was the pivotal piece of our passing game. But with his largely being sidelined with foot injuries over the last two years, the game has moved on. Curtis Samuel and DJ Moore are both going to receive plenty of targets, and McCaffery will be a critical element to the passing game. Greg will undoubtedly be our principle red zone threat, but the growth of other options has downgraded his loss from catastrophic to merely unfortunate. What role he carves out, and what boost he’s able to give our offense, will be very interesting to watch. 4-3 No More: Much has been made of the Carolina's transition from a 4-3 to a 3-4 this offseason. And most of it is crap. We aren't exactly moving in a direction that binary. IN the past, we have strictly been a 4-3 team throughout the Riv-Era. That is about to change, but not to a 3-4. What Rivera showed last year is a willingness to mix and match personnel sets. There were 3-4 looks, 4-3 looks and even 5-2 looks. What we're moving toward is thus not a single, codified base, but a hybrid defense that can throw out a number of formations and switch between them quickly. We want players who can play OLB and DE. DTs who can play DE. LBs who can drop into coverage and rush the passer. A modern defense is one that doesn't limit itself, which is why such a premium has been put on players with positional versatility. On paper, our personnel set is very well built for this. How it pans out in practice remains to be seen. It's a very radical transitioning happening over a short period of time, and while I think our defense has the potential to be excellent, there will doubtless be some growing pains as we navigate the transition.
Very little to speak of. The premier battle is going to be between Greg Little and Daryl Williams at LT. Apart from that, the timeshare that forms in different defensive sets will be intriguing. But for the most part, the roster is set.
Win Loss Predictions
I hate this part, particularly since the NFCS is a murderers row at present. The Panthers have a shot at a serious playoff run if all the chips fall right, but the Falcons are likely going to be resurgent (god you have no idea how much it hurts me to type that) and the Saints aren’t going anywhere. The Buccs I’m sure will do their best. That alone makes pinpointing what our season looks like in terms of Ws and Ls difficult. But this year, we’re also playing the equally enigmatic AFCS, whose teams look like contenders or middlers in turns. Even our other divisional draw, the NFCW, is difficult to find the pulse of. So rather than pretend that I know what each game is going to look like, I’m going to do what I always do; Likely wins, likely losses, toss ups. Likely Wins: TB, @AZ, JAX, @TB, @SF, TEN, WAS Likely Losses: LAR, @NO, @IND Toss Ups: @HOU, @GB, ATL, NO, @ATL, SEA So that’s 7 likely wins, 3 likely losses and 6 toss ups. If that seems like an unusually high degree of uncertainty, that’s because it is. Last year started off strong and fell apart for reasons that are both obvious and cautiously behind us. We’ve only improved over the offseason and should be formidable. But the schedule is grueling and many questions are yet unanswered. I said in my last offseason review that last year was likely going to be a tough season, and should be viewed mainly as a proof of concept for the new ideas we were incorporating via Turner’s offense and our gradual move away from a 4-3 defense. Well, it was a tough year for reasons of which I had no inkling at the time, and it was a proof of concept. And for the most part? The concept was proven sound. So this offseason, we’ve built on it and patched over the holes that developed in it. I know that “This offseason is a major turning point” is one of those things that gets thrown around a lot. It’s like how every Presidential election gets described as historic, as though choosing the leader of the free world could ever be anything but. But in a very real sense, this franchise has hit a turning point. Cam has to bounce back this year or he’ll face major doubts about his future contract. Rivera has to bounce back this year, or he’ll be out of a job. GM Marty Hurney has done an excellent job restocking the cupboards, but we’ve been down this road of defensive transition and an offense that eases things on the quarterback before. Last year, both ideas mostly worked, but this is the season where we must commit to them and see them through if we want to succeed with the parts we have. Thus the Panthers find themselves where we always seem to. We are a team that is as capable of going on a deep playoff run as we are forcing a total rebuild in the next two years. But for what it’s worth, I think it’s going to be a strong, “Eureka!” type season where everything finally comes together. For the sake of Rivera and company, I hope it does.
The following post by BinaryResult is being replicated because some comments within the post(but not the post itself) have been silently removed. The original post can be found(in censored form) at this link: reddit: /Bitcoin/comments/6jlop4 The original post's content was as follows:
You've probably been hearing a lot about Bitcoin recently and are wondering what's the big deal? Most of your questions should be answered by the resources below but if you have additional questions feel free to ask them in the comments. The following videos are a good starting point for understanding how bitcoin works and a little about its long term potential:
Limited Supply - There will only ever be 21,000,000 bitcoins created and they are issued in a predictable fashion, you can view the inflation schedule here. Once they are all issued Bitcoin will be truly deflationary.
Open source - Bitcoin code is fully auditable. You can read the source code yourself here.
Accountable - The public ledger is transparent, all transactions are seen by everyone.
Decentralized - Bitcoin is globally distributed across thousands of nodes with no single point of failure and as such can't be shut down similar to how Bittorrent works.
Censorship resistant - No one can prevent you from interacting with the bitcoin network and no one can censor, alter or block transactions that they disagree with, see Operation Chokepoint.
Push system - There are no chargebacks in bitcoin because only the person who owns the address where the bitcoins reside has the authority to move them.
Low fee - Transactions fees can vary between a few cents and a few dollars depending on network demand and how much priority you wish to assign to the transaction. Most wallets calculate the fee automatically but you can view current fees here.
Borderless - No country can stop it from going in/out, even in areas currently unserved by traditional banking as the ledger is globally distributed.
Some excellent writing on Bitcoin's value proposition and future can be found here. Bitcoin statistics can be found here, here and here. Developer resources can be found here and here. Peer-reviewed research papers can be found here. The number of times Bitcoin was declared dead by the media can be found here. Scaling resources here, and of course the whitepaper that started it all.
Where can I buy bitcoins?
BuyBitcoinWorldwide.com and Howtobuybitcoin.io are helpful sites for beginners. You can buy or sell any amount of bitcoin and there are several easy methods to purchase bitcoin with cash, credit card or bank transfer. Some of the more popular resources are below, also, check out the bitcoinity exchange resources for a larger list of options for purchases.
Here is a listing of local ATMs. If you would like your paycheck automatically converted to bitcoin use Cashila or Bitwage. Note: Bitcoins are valued at whatever market price people are willing to pay for them in balancing act of supply vs demand. Unlike traditional markets, bitcoin markets operate 24 hours per day, 365 days per year. Preev is a useful site that that shows how much various denominations of bitcoin are worth in different currencies. Alternatively you can just Google "1 bitcoin in (your local currency)".
Securing your bitcoins
With bitcoin you can "Be your own bank" and personally secure your bitcoins OR you can use third party companies aka "Bitcoin banks" which will hold the bitcoins for you.
If you prefer to "Be your own bank" and have direct control over your coins without having to use a trusted third party, there are many software wallet options here. If you want easy and secure storage without having to learn computer security best practices, then a hardware wallet such as the Trezor or Ledger is recommended. A more advanced option is to secure them yourself using paper wallets generated offline. Some popular mobile and desktop options are listed below and most are cross platform.
If you prefer to let third party "Bitcoin banks" manage your coins, try Coinbase or Xapo but be aware you may not be in control of your private keys in which case you would have to ask permission to access your funds and be exposed to third party risk.
Another interesting use case for physical storage/transfer is the Opendime. Opendime is a small USB stick that allows you to spend Bitcoin by physically passing it along so it's anonymous and tangible like cash. Note: For increased security, use Two Factor Authentication (2FA) everywhere it is offered, including email! 2FA requires a second confirmation code to access your account, usually from a text message or app, making it much harder for thieves to gain access. Google Authenticator and Authy are the two most popular 2FA services, download links are below. Make sure you create backups of your 2FA codes.
Mining bitcoins can be a fun learning experience, but be aware that you will most likely operate at a loss. Newcomers are often advised to stay away from mining unless they are only interested in it as a hobby similar to folding at home. If you want to learn more about mining you can read more here. Still have mining questions? The crew at /BitcoinMining would be happy to help you out. If you want to contribute to the bitcoin network by hosting the blockchain and propagating transactions you can run a full node using this setup guide. Bitseed is an easy option for getting set up. You can view the global node distribution here.
Just like any other form of money, you can also earn bitcoins by being paid to do a job.
You can also earn bitcoins by participating as a market maker on JoinMarket by allowing users to perform CoinJoin transactions with your bitcoins for a small fee (requires you to already have some bitcoins)
The following is a short list of ongoing projects that might be worth taking a look at if you are interested in current development in the bitcoin space.
One Bitcoin is quite large (hundreds of £/$/€) so people often deal in smaller units. The most common subunits are listed below:
1,000 per bitcoin
SI unit for milli i.e. millilitre (mL) or millimetre (mm)
1,000,000 per bitcoin
SI unit for micro i.e microlitre (?L) or micrometre (?m)
1,000,000 per bitcoin
Colloquial "slang" term for microbitcoin
100,000,000 per bitcoin
Smallest unit in bitcoin, named after the inventor
For example, assuming an arbitrary exchange rate of $500 for one Bitcoin, a $10 meal would equal:
For more information check out the Bitcoin units wiki. Still have questions? Feel free to ask in the comments below or stick around for our weekly Mentor Monday thread. If you decide to post a question in /Bitcoin, please use the search bar to see if it has been answered before, and remember to follow the community rules outlined on the sidebar to receive a better response. The mods are busy helping manage our community so please do not message them unless you notice problems with the functionality of the subreddit. A complete list of bitcoin related subreddits can be found here Note: This is a community created FAQ. If you notice anything missing from the FAQ or that requires clarification you can edit it here and it will be included in the next revision pending approval. Welcome to the Bitcoin community and the new decentralized economy!
This is an open thread to discuss items of interest. I may also use it to drop thoughts as they occur to me as well -- something of a replacement of my former "tab closure" posts, as ... well, it seems tabs are simply running away from me. Consider this an experiment that's been mulling for some time. If you've got a question, observation, link, or anything else, feel free to post it, with a thought to the lair rules -- like house rules, but larrier.
I strongly recommend eleitl's subreddit, /collapsademic/. "Low-volume, low-noise, moderated discussion of our coming collapse". That's one of a set of "limits and collapse" subs I've created a multireddit for:
Facebook's secret sauce wasn't software, it was Harvard
That is, Facebook was once literally Harvard. Something it very much isn't anymore, a point I noted after cries of "but the normal people are coming" rang out on Mastodon. It's a point danah boyd has also made in her research. There's a corollary: if your interest is in creating the next Facebook, or even merely disrupting the present one, then it strikes me one viable option would be to identify whatever your next Harvard is -- a cohort of intelligent, attractive, interesting people, who aren't much impressed by Facebook Which Is No Longer Harvard -- and kick some funding and technical support at them. Your Next Harvard doesn't have to be Harvard, mind, though that's probably a good (and symbolic) target to include. And I can pretty much guarantee that the folks at 1 Hacker Way will go into a blind panic. Which might just be a sufficient disruption.
Veritasium: What YouTube's algorithm selects for
Derek Muller, among the higher-quality YouTube creators, has reflected from time to time on what makes for successful YouTube content. Much of that (as with other social channels) is strongly dependent on what the site's own algorithms incentivise for. This 12 minute video looks at recent changes, and what this suggests. Why YouTube Used to Prefer Quality. This ties in with a ... much larger .. reflection I've been engaged in on media generally. It also highlights one of many failings with The Information Diet, which is that the information appearing online, at social media sites such as Facebook, Twitter, or Reddit, or on the sites and content farms feeding those maws, depends tremendously on what is being selected for and promoted. Muller also fails to consider a few elements:
Intentional access to media makes a tremendous difference. I've griped about YouTube's recommendations quality in the past, and it seems to be improving ... modestly. (I also don't use the site whilst logged in, so my history is, I hope, reset fairly frequently.) Its search is actually pretty good, and if your interest is a specific topic or speaker, it will often reward interest.
Tools which leverage reputation would help. I've long requested the ability to block an entire channel. A major problem with dreck content is that it carries very little reputational risk for the producer or poster. If users could respond by blocking a channel entirely (and this was followed through), some of the bottom-feeding behaviour might be reduced.
Gresham's Law. I think this topic has officially crossed the line from interest to obsession with me. Absent some corrective selector, increased audience virtually always means lower quality content. See Reddit's default subs as a prime exemplar.
One of the strongest reasons for drawing the line of separation clearly and broadly between science and art is the following:—That the principle of classification in science most conveniently follows the classification of causes, while arts must necessarily be classified according to the classification of the effects, the production of which is their appropriate end. Now an effect, whether in physics or morals, commonly depends upon a concurrence of causes, and it frequently happens that several of these causes belong to different sciences. Thus in the construction of engines upon the principles of the science of mechanics, it is necessary to bear in mind the chemical properties of the material, such as its liability to oxydize; its electrical and magnetic properties, and so forth. From this it follows that although the necessary foundation of all art is science, that is, the knowledge of the properties or laws of the objects upon which, and with which, the art dons its work; it is not equally true that every art corresponds to one particular science. Each art presupposes, not one science, but science in general; or, at least, many distinct sciences.
Comparing existing ontologies of technology. The Encyclopedia Britannica, the Bacons (Francis and Roger), the Library of Congress Classification System, the Random House Encyclopedia, and Joseph Needham's classifications come to mind. Comparison with mechanisms within biology. Why biology? Because human technology is, as I see it, an extension of biological mechanisms, at least in large part. Nick Lane in particular has some very interesting work here. Are the mechanisms themselves technologies? I think my answer here is no, though I want to check myself on this. The fundamental mechanisms. All the categories boil down to "do less" or "use more", I think. The Network Elements. Numerous of the categories I've defined have or represent network-type effects. I'm asking myself if these cannot be simplified. Keeping the end in mind. The ultimate goal of any classification scheme is to find an underlying and simplifying pattern. The realisation as I started putting this together was that each of the mechanisms implied specific benefits, and disadvantages, for the associated mechanisms, as well as a set of common features. Disruption. I'm looking for ways Clayton Christensen's concept comes in to play. See also Jill Lepore's The Disruption Machine: What the gospel of innovation gets wrong (2014).
This presupposes a few other questions, including defining what privacy is. Jill Lepore, again, has a University of Kansas lecture, "Unseen - the History of Privacy" (April, 2017), which suggests a progression from mystery to secrecy, then privacy:
Mystery: That which cannot be known, we're asked to believe in the absence of evidence. Frequently religious.
Secrecy: That which is known, but not to everyone. Often state.
Privacy: Kept to ourselves. Generally personal.
Lepore also notes that "the case for privacy always comes too late" -- after the horse is out of the barn. Debates over privacy always lag advances in technology. There's a related set of etymologies: cabinet, a chamber of secrets, secretary, one entrusted to secrets, and secret itself: "set apart, withdrawn; hidden, concealed, private", from PIE root *krei- "to sieve," thus "discriminate, distinguish". It seems to me that privacy is the abilty to set, define, and defend boundaries. (A source of rather constant friction with Google.) In which case some of the possiblities for measurement:
The degree to which boundaries can be set.
The scope of boundaries which can be defined.
The extent to which those boundaries can be defended.
The amount of information exposed.
The number of parties with access to that information.
Whether or not others are better informed of the state or tendencies than the subject of the information itself.
Who benefits by the information -- the subject or others?
That's a partial and speculative list, but it gives some sense of where I'm looking.
Employment and Automation: Why is factory work different?
The focus on the automation debate is over the likely falling wages, and apparently job security, of labour. This frequently prompts the counterargument that factory work was an earlier age's version of automation, and ultimately paid well. One though that occurs: What if manufacturing-based factory work was an exception? And if so, an exception to what, exactliy, and why? A few points come to mind, with Arnold Toynbee's Lectures on the Industrial Revolution and Robert Gordon's The Rise and Fall of American Growth supplying much of the background here.
Early factory work wasn't highly paid. Better than farm wages, yes, though that's not saying a whole lot.
Gordon points to the period from ~1920 - 1970 as the peak period of productivity growth.
Much of which was directly related to the amount of power -- kilowatts of electricity, or horsepower of mechanical energy -- supplied per worker.
Still wages didn't increase until unionisation of the late 1930s.
Adam Smith writes of the five factors which provide for a premium on wages:
first, the agreeableness or disagreeableness of the employments themselves; secondly, the easiness and cheapness, or the difficulty and expense of learning them; thirdly, the constancy or inconstancy of employment in them; fourthly, the small or great trust which must be reposed in those who exercise them; and, fifthly, the probability or improbability of success in them.
Several of these apply to factory work:
It's not entirely pleasant, and was often dangerous.
Many jobs required a fair amount of skill. This was generally on-the-job training, but this still manifests as both time-cost, and scarce resource.
Workers were in something of a position of trust: they oversaw expensive equipment, inputs, ouput, and process.
Employment was typically, though not always regular. While a factory could operate year-round without concern for weather, it would often be subject to business variability.
That's four of the five factors. The real key to me though is that the role of human workers was as the brains and control element of a structured, automated, and powered process. Factory work is very much literally a force multiplier of raw human skill. A single man, plus machines, could have his output multiplied many times. And due to the considerations above, plus unionisation, eventually claimed a high wage. The question is how these factors extend into the coming world of work. I have concerns. And I don't see any of the discussion of this point following the lines of analysis I've given here. Further development in a comment at The Other Place. And, back to unionisation: factories represent both a strength and a weakness of monopoly-as-network-control. On the one hand, a factory is a nexus of capital, access to financing, marketing and vendor relationships, transport, power or energy, and labour. On the other, a factory is much like a mine: you cannot simply pick it up an move it to another location. Or at least this was far less true in the 19th and much of the 20th century. Over the past 50 years or so, mobility of capital, and the ability to finance and construct new factories largely at-will has increased, with labour organisation falling largely in parallel.
When Owen asked C-3PO if he spoke the binary language of moisture vaporators, the proper answer for him to give (in binary) would have been "with neither too many hands nor too few," that being the idiom for speaking politely and properly. Moisture vaporators use their hands as communication ports, each finger transmitting or receiving a single channel, and touch hands to one another in order to speak; if you were to speak with more hands than the listener had available, they would miss part of what you were saying, and (especially if that were crucial metadata) they would not be able to understand you. Conversely, if you spoke with fewer hands than they listened with, your transmissions would be slow, stilted, taking far too much time. Speaking with the appropriate number of hands is a key aspect of their culture. But as with many societies, etiquette conceals notions of class: the number of hands a moisture vaporator has is largely determined by wealth and their role. As a result, a common worker with only two or three hands will always seem slow-witted and foolish when trying to speak to a five-handed member of their bourgeoisie, and that burgher would in turn feel profoundly uncomfortable in "seven-handed society." An eighth hand, by law and by custom, is permitted only to their Emperor, and in fact "the eighth hand" is both a symbol of and metaphor for Imperial power.
So, we get communications, class, wealth, status, and complexity of thought, in one package. I'd run across an item at Nautilus (fantastic online source, by the way, and they're actively soliciting support currently), "How Your Brain Decides Without You:
The structure of the brain [Lisa Feldman Barrett] notes, is such that there are many more intrinsic connections between neurons than there are connections that bring sensory information from the world. From that incomplete picture, she says, the brain is “filling in the details, making sense out of ambiguous sensory input.” The brain, she says, is an “inference generating organ.” She describes an increasingly well-supported working hypothesis called predictive coding, according to which perceptions are driven by your own brain and corrected by input from the world. There would otherwise simple be too much sensory input to take in. “It’s not efficient,” she says. “The brain has to find other ways to work.” So it constantly predicts. When “the sensory information that comes in does not match your prediction,” she says, “you either change your prediction—or you change the sensory information that you receive.”
To which I obseved on the Inevitability of the Eighth Hand, by the Emperor, that is, the decisionmaking centre of society:
Thus: the emperor must always have the eighth hand, and proper interpretation and framing of the Universe requires more processing power then sensing power, and/or the obligation to discard information which cannot be integrated into the receiving frame.
On which I'll note that the most startling element of this whole episode was that I was actually able to find it using G+ search -- otherwise almost wholly useless.
"Forward to the Past" -- the Digital Library as the problem, not the solution
Eric van der Velde writes on my newfound obsession, libraries, in "Forward to the Past". I've points of disagreement and agreement.
The catalogue is in fact a search tool, and a good one. Librarians discount the value of categorised, classified, and standardised-authority-organised collections to their tremendous disservice. That said, yes, the catalogue, as it now stands, pointing the way to informational paradise but withholding the fruits, is a significant problem.
Curation also has its place. Piles of crap, no matter how searchable, remain crap. Diderot's lament on information overload from 1755 is valid, and improved indexing and search can only delay, not prevent, being buried alive in dung. The Jevons Paradox likely means that the inevitable is being accelerated.
What particularly caught my attention, though, is this:
Why is there no scholarly app store, where students and faculty can build their own libraries?
Subreddit styling: Geopolitics has a wonderful thread-collapse design
I'd first run across this some time back ... and then couldn't recall which subreddit it was. /Geopolitics has a very slick CSS where the "collapse thread" control runs the full height of the left-hand margin, for each nesting level of a comment thread. If you've decided you've had enough of a particular digression, you can close any level of it with a single click, without having to hunt up-thread for the relevant comment. See this archived post for an example. I'm impressed and may well steal the concept. Good UI is very rare. This is a good UI. Why? It puts the control directly in context, makes it easy, makes it obvious, and, should you close an item by accident, makes undoing the action trivially easy.
China and classifications of industrial sectors
In a YouTube video, Mark Anderson of INVNT/IP makes mention of a classification by China of the global economy into 417 sectors, and apparently is targeting those for economic espionage. On inquiring as to where that classification is made: the Communist Party of China's 12th Five Year Plan, 2011 - 2015. Which I now feel I need to find an English translation of. I did track down a U.S. government assessment of the plan, however. And in that, a further interesting note on what it considers to be a failure of the plan: though the performance targets of the plan were generally hit (and fairly impressively so), the analysis argues that the structural foundations of the economy weren't adequately addressed. This strikes me as an interesting possible response to various "things are going so amazingly awfully terrifically swell!!!" glurge posts which emerge from time to time. Interesting how vision clears when focused outward....
The Tech Ontology Purity Test: Filters
Another aspect of the tech ontology: I'm somewhat stuck on the point of various purification processes and mechanisms and how these fit within the notional framework I've conceived. Especially as this capability is a highly fundamental biological process, one that is key to virtually any process. Actually, it gets us straight back to entropy and de-entropisation. A process by which a conglomeration of two (or more) things can be reduced to two (or more) separate collections, each with only one set of components to it, is what de-entroposiation is all about. That might be a mechanical sorting (e.g., hand-picking), size-based filters (sieves, nets, filters), density differentials (wheat/chaff sorting, bouancy, air-jet separation, charged beam, gas diffusion, centrifuge), magnetic properties, distillation processes, chemical solutions, ion-diffussion / proton-pump mechanisms (cell-wall), etc. The upshot is: how do you distinguish between what you want, and then, somehow, act differentially on the one vs. the other? Is this strictly a process knowlege, in which case it falls under "technology"? Is it a class of actions? Is it material properties? Systems management?
Asset price inflation and Adam Smith
A wonderful Smith quote:
As soon as the land of any country has all become private property, the landlords, like all other men, love to reap where they never sowed, and demand a rent even for its natural produce.
Simple leadership strategies drive out the complex.
But then expands this more completely, showing the information-theoretical underpinnings of the fundamental Gresham's mechanism:
Simple, easily explained, easily comprehended, explicit-knowledge descriptions of a leadership strategy dive out subtle, complicated, tacit-knowlege appreciation for the potential of a complex leadership strategy to influence organizational behavior in ways that improve performance.
He continues to note that this comes in two forms:
We humans prefer simple leadership strategies to complex ones.
We also prefer simple explanations of complex leadership strategies to the subtle and complicated reality.
What I particularly like is the focus on several elements of psychology and cognition:
Easily explained. A simple, but difficult-to-explain concept, fares poorly.
Easily comprehended. As above.
The distinction between explicit and tacit knowledge. It is vastly more efficient to propagate explicit knowledge, that which can be acquired through reading, hearing, or seeing, than tacit knowledge, that which must be practiced, often under a skilled teacher.
Overt rather than potential value. Something which only pays off in indirect ways is far less appealing to us.
This suggests a subsuming mechanisms for Gresham's Law which jibes with concepts from Darwinian evolution: that systems evolve complexity costs, and that among the selective pressures which exist are those for a minimisation of complexity in light of such costs. There's an article on a computational evolution experiment, "Meet the Animats", which notes that there is a minimum complexity bound to various maze-traversal "animat" bots, though, without a complexity cost factor, the experiment found no constraint on the upward bound of complexity. A few minor edits -- mostly deletions -- makes Behn's formulation on page 42 (appropriate) much more general: "Simple, easily explained, easily comprehended, explicit-knowledge, descriptions ... drive out subtle, complicated, tacit-knowledge appreciation for the potential of a complex model."
Do you like what you're reading here? Would you like to see a broader discussion? Do you think there are ideas which should be shared more broadly? The Lair isn't a numbers game, my real goal is quality -- reaching, and hopefully interacting with, an intelligent online community. Something which I've found, in several decades of online interactions, difficult to achieve. But there's something which works surprisingly well: word of mouth. Shares, by others, to appropriate venues, have generated the best interactions. I do some of that, but I could use your help as well. So: if you see something that strikes you as particularly cogent (or, perhaps, insipid), please share it. To another subreddit. To Twitter or Facebook or G+. To the small-but-high-quality Metafilter. To your blogging circle, or a mailing list. If you work in technology, or policy, or economics, there as well. Thanks, Morbius.
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If you don’t follow the instructions properly, it may takes little time to get more profits. Bottom Line It is strongly recommended by many users and me too got more benefits and earned lot from it. Here you will also get useful trading tips to help you improve your own trading skills. This gives you several investment opportunities and flexibility when trading to successfully with changing market conditions. Sure, you can make substantial profits and make you to spend your valuable time with your family and friends. Don’t miss this opportunity, Grab it earlier… . ► ==>>> Click To Join Instant Cash App Systems Club<< . . 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Click here Get Your Starter Membership Now Learn how to make profitable website with Wealthy Affiliate training. As outlined in our financial freedom step-by-step guide, creating extra sources of income in addition to your job is an essential step to free yourself from the shackles of employment and become financially free eventually. Our focus is to create a sustainable and profitable income producing asset. It may start off as a side income that supplement your day job, but it will eventually grow into a full time income that allows you quit your job altogether. Even though there are literally thousands of business opportunities online, unfortunately vast majority of them turn out to be scam. Wealthy Affiliate is one of the rare legitimate online opportunities, and it’s free to get started too. Let’s take a look at what it has to offer in this review. I’ve been trying all sorts of business opportunities online before I came across Wealthy Affiliate – including paid advertising for affiliate products, binary options, Forex trading, social trading, and multi-level-marketing. Not to mention falling prey to a few scams along the way. Unfortunately, I lost much more money than I made in these previous endeavors. Soon I realized that I did not approach online opportunities the correct way. I thought I could get rich quick online, buying into all the hypes that people pitched against me. It simply didn’t work that way. I began following the trainings and modules of Wealthy Affiliate religiously, and learned the proper way to build a business online. I changed my mindset and aimed for the long term potential. I stopped fixating on the profits and focused on what I have learned instead. I did not make a single cent for the first 3 months. All I did was to apply what I’ve learned in Wealthy Affiliate, tweaked my website, and learned some more. I gained satisfaction in the new skills I now command. Between working my day job and building my business at night, I enjoyed working on my business every night tremendously, even if it’s just for 2 hours. You have to enjoy what you do to keep working on it. I can keep rambling on, but it’s not the main purpose of this article. I just wanted to let you know that there is indeed money to be made online, but not without some dedication and effort. Wealthy Affiliate is not a get rich quick program, and rightly so. The starter membership gives you premium access for 7 days without asking for your credit card number, which I think is a fair deal. And if you sign up for the premium membership, you only pay a flat membership fees ($47/mth, or $29.90/mth if you decide to go yearly). There’s no hidden costs and upsells like many other programs, which means every tool and training you’ll ever need for your online business is included. Any program that charges you an exorbitant amount of money and promises you quick riches with little to no effort is a downright scam, don’t buy into those kind of programs. There’s no hype surrounding Wealthy Affiliate. As with any legitimate business, you will need to put in effort and time into your own website, and build it into a profitable business over time. Treat is as a business and you will get a long term asset that is invaluable to achieving financial freedom. You can click on the button below to sign up for a free starter account. All you need to do is to set up your account, select a profile picture and write a short description of yourself to get started. Click here Get Your Starter Membership Now
My Millionaire Mentor Review - Scam or Sweet Opportunity
My Millionaire Mentor claims to pay you $500 if you don’t make money with their system. Is it too good to be true? Is My Millionaire Mentor a scam? Let’s find out in this review. Click here Get Started Now Click here Get Your Starter Membership Now Learn how to make profitable website with Wealthy Affiliate training. As outlined in our financial freedom step-by-step guide, creating extra sources of income in addition to your job is an essential step to free yourself from the shackles of employment and become financially free eventually. Our focus is to create a sustainable and profitable income producing asset. It may start off as a side income that supplement your day job, but it will eventually grow into a full time income that allows you quit your job altogether. Even though there are literally thousands of business opportunities online, unfortunately vast majority of them turn out to be scam. Wealthy Affiliate is one of the rare legitimate online opportunities, and it’s free to get started too. Let’s take a look at what it has to offer in this review. I’ve been trying all sorts of business opportunities online before I came across Wealthy Affiliate – including paid advertising for affiliate products, binary options, Forex trading, social trading, and multi-level-marketing. Not to mention falling prey to a few scams along the way. Unfortunately, I lost much more money than I made in these previous endeavors. Soon I realized that I did not approach online opportunities the correct way. I thought I could get rich quick online, buying into all the hypes that people pitched against me. It simply didn’t work that way. I began following the trainings and modules of Wealthy Affiliate religiously, and learned the proper way to build a business online. I changed my mindset and aimed for the long term potential. I stopped fixating on the profits and focused on what I have learned instead. I did not make a single cent for the first 3 months. All I did was to apply what I’ve learned in Wealthy Affiliate, tweaked my website, and learned some more. I gained satisfaction in the new skills I now command. Between working my day job and building my business at night, I enjoyed working on my business every night tremendously, even if it’s just for 2 hours. You have to enjoy what you do to keep working on it. I can keep rambling on, but it’s not the main purpose of this article. I just wanted to let you know that there is indeed money to be made online, but not without some dedication and effort. Wealthy Affiliate is not a get rich quick program, and rightly so. The starter membership gives you premium access for 7 days without asking for your credit card number, which I think is a fair deal. And if you sign up for the premium membership, you only pay a flat membership fees ($47/mth, or $29.90/mth if you decide to go yearly). There’s no hidden costs and upsells like many other programs, which means every tool and training you’ll ever need for your online business is included. Any program that charges you an exorbitant amount of money and promises you quick riches with little to no effort is a downright scam, don’t buy into those kind of programs. There’s no hype surrounding Wealthy Affiliate. As with any legitimate business, you will need to put in effort and time into your own website, and build it into a profitable business over time. Treat is as a business and you will get a long term asset that is invaluable to achieving financial freedom. You can click on the button below to sign up for a free starter account. All you need to do is to set up your account, select a profile picture and write a short description of yourself to get started. Click here Get Your Starter Membership Now
Private Wealth App Review-Thinking of Buying? Don't!
What is Private Wealth App? Private Wealth App is the new strategy for trade made by web millionaire. After generally utilizing this product to make numerous fruitful trades, I have had the capacity to make over $10,000 in the most recent two weeks from utilizing this system. In the event that you haven't ever exchanged Binary Options some time recently, it is much simpler than you might suspect. Everything you need to do is make your account, load up a couple of bucks into your account, and then begin viewing the business sector. When you feel the time is right to make your moves, then you make them. ==>Click here For Free Download Private Wealth App Software From Official Site<== Private Wealth App Review- SomeStep : · Create Your Free Account in this software. · After Creating Your Account, You'll fill up An Order Confirmation Page, and get your Software · Enter The Members Area, And Follow The Simple 3 Step Process & Start Making Your Trades. · 90% trade is guaranteed. So earn is very easy. No previous experience. Private Wealth App Review- How It Works? The Private Wealth App software is made and is designed to make immense benefits from double alternatives exchanging essentially by the examination of the signs in the business. At the point when the indicator indicates that it is the correct time to exchange, it does so accordingly gaining the most elevated benefit. The site indicates that it is not difficult to download the product, simply a click away, as simple as the ABC. A starting investment of $200 is needed from the client which makes it a little setback, yet considering the incredible benefits going to be earned this value is nothing. A client need to utilize the product to accept it, after all conviction is in seeing. James guarantees that income up to $400 could be made consistently and that too without any exertion. He doesn't say that just the sum specified is the utmost, yet this is minimum amount a user can earn every day. Private Wealth App Review - Pro’s · It's Free To Join · It provides for you the capability to trade both lists and currencies · Permits you to make up to 75% for every exchange · Completely zero commission charges or whatever available expenses or charges · Different trading indicators upgraded consistently for most extreme achievement · 24 hour access to the system so you can just be in the business sector · Stunning 90% correctness rating Private Wealth App Review - Con's · 100% secure achievement can't be ensured,but over 80% of people have success with this Why I Love This System Besides That It’s Free There are a ton of Binary Options exchanging programming projects hitting the business at this moment, and I utilize a number of them for an assortment of reasons. Private Wealth App is my most loved on the grounds that it permits me to profit on autopilot by setting up guidelines for my exchanging, so it works 24 hours a day 7 days a week. I set up the product with certain stop misfortunes, premium rates, the amount to exchange, & to what extent to trade, and after that let it run and use cash focused around my financial plan for the day. The extraordinary thing about this system is that it is allowed to begin, and anybody can join, however this isn't going to be the situation for long. James is a buddy of mine and he is just permitting a certain measure of individuals to utilize the product before he offers it or takes it public. Private Wealth App Review- Bottom line : After my first few days with Binary Options I was able to make more money than I ever did with member promoting, and I propose you do the same. If you haven't attempted Binary Options trading, then Private Wealth App is something that is going to work extremely well for you. Simply go to the site, make your account, toss in a couple of bucks, and test it out. What have you got to lose? ==>Click here to Get Private Wealth App Software With Discount<== Tags : Private Wealth App Review,Private Wealth App Review,Private Wealth App Review,Private Wealth App Review,Private Wealth App Review,
Binary Options trading isn’t a scam, but it’s financial gambling that will only work well in the long term for the most devoted and knowledgeable users. 2017 Update: Binary Options Industry Changes. If you read our thoughts from 2014, you know that binary options is legit, but extremely risky and difficult to take part in profitably. But ... Binary Options signals are a major requirement for traders to take trading decisions. The signal industry is large and booming one. There are countless signal providers out there, so it becomes really difficult as a trader to make a choice. Binary Options is prohibited by the ESMA. BestBinaryOptionsWatch.com cannot be held liable for any damage resulting from use of information on this website. The FTC Required Affiliate Disclosure: BestBinaryOptionsWatch.com is a professional review site that is independently owned and as such, opinions expressed here are our own. We receive compensation from companies whose products we review ... Binary options brokers will generally have their trading platform open when the market of the underlying asset is open. So if trading the NYSE, Nasdaq, DOW or S&P, the assets will be open to trade during the same hours as those markets are open. Any moves by the Federal reserve for example, will feed into binary markets immediately, just as you would expect. Profitable binary options trading strategies combine only the most efficient choices. This is the technique I developed trading binary options. This is the technique I want to share with you today. This technique generated 150% return by risking only 5% per trade “End of Day”options Something your broker doesn’t want you to know. Create your own review. Best-MetaTrader-Indicators.com. Average rating: 2 reviews. Nov 1, 2020 . by James on Best-MetaTrader-Indicators.com. I love the indicators 💗 its just that its hard to use them since there is no guide or tutorial on how to use them. Aug 5, 2020. by Georges LeGrand on Best-MetaTrader-Indicators.com. Simple, robust and very good indicator for forex and binary options. A ... Review Verdict. Signals Premium is NOT reliable. Visit Trusted System. Conclusion. We are unsure of the services offered by the Signals Premium. You can drop your thoughts in the comments section if you have used their service. Trading binary options could be very profitable, only if you use legitimate softwares and tools. Run away from scams ... Create your own review. Average rating: 0 reviews. Related MetaTrader Indicators. Simple Binary Options System; Binary Options Profit System; Binary Options Master System; HLOC Binary Options System; Binary Options Channel; Win Win Binary Options Template; Mak Binary Options Template ; Binary Options Signals; Binary Options Calculator; Binary Options Trader; Binary Options Oscillator; Binary ... 4 Best Binary Options Signals Providers. BinaryOptionRobot. BinaryOptionRobot is by far the best binary signal provider. Read the review. VirtNext. Winning Rate: 86%+ Details. This signal provider is taking the binary options signal mini-industry by storm. VirtNext have proven time without number with diverse users that high-earning signals are ... *Binary Option Robot Info is in no way responsible for any claims, losses or expenses that may result by following our advice. We are not an official regulated investment adviser, but a website and article publisher whose purpose is to improve the general knowledge about binary options and automated trading. We will not be responsible if our actual information is not accurate or updated.
Profit Hacker System Review - Hacked Binary Options System
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