Anything over 150 seats means you need to pay at token rates plus the $20/user. My day job is operational (no coding at all) and I'm spending ~$300 a month on a few chats with Claude/Cowork a day over the course of a month.
Hospital admissions are reliable indicators for violent crime and stabbings in particular - if you get injured you're going to need a doctor and they will record it - and these are going down [1]. There is little to suggest any kind of epidemic or increase in violent crime is going on and the stats on this seem to play out.
What is more of an issue is more antisocial crime such as street robbery or shoplifting. These crimes are much more likely to be snatch and grab, with no violence involved. They still have an impact on the victims but they're not making the city significantly more violent.
Lumibricks is fantastic, built in lighting (or rather you build it in as part of the model) and as someone who has always turned their nose up at off brand Lego, the parts are definitely 99% of the way there. Instructions the same quality, if not better, than Lego as well - all for about the third of the price.
Minifigs are terrible but I have hundreds of those spare anyway!
The gap is reducing significantly - I have collected and built Lego for a long time and had this opinion but have recently discovered Lumibricks (formerly Funwhole) - excellent designs, and around 1/2 the price of Lego (but they all include lighting elements) and having put them together I can say they feel exactly like Lego. I believe there are other brands of similar quality.
Usually it would be either the full day (ceremony, meal and ‘evening party’ which we commonly call the reception) or just the reception. No one is being asked to skip the middle part of the event.
Less than 20% of weddings are religious (and a smaller subset of this will be in churches), and I don’t really hear of anyone just turning up at the ceremony of someone they don’t know.
Weirdly on Reddit I keep getting the doordash and ubereats communities pushed at me - there is a very strong view amongst people using these apps that anyone who says they will "give a cash tip" will not actually do it, so it's probably not as beneficial as you might think.
The tips on the apps nominally do go entirely to the driver.
All that this does is ensure you don't get stacked with another order ahead of you (so the delivery is direct from the restaurant to the person who ordered) in theory.
It doesn't help with situations where drivers are multi-apping (accepting orders across multiple apps and juggling them). The drivers don't even know you have priority.
edit: and in the US where you can definitely see the tip up front, you will almost always find that the order will get picked up quicker if you increase the tip by the equivalent of the priority fee. But you may well get stuck with a delivery before yours.
Other than Amex for airline points I don’t spend a penny on banking, all the standard services (eg transfers, bill payments, cash withdrawals, deposits) are free (in the U.K.) with no monthly fee.
Most of the time we knew because people are generally honest and tell the truth. A few times where we had concerns we'd apply for a police report - even if someone will lie to their insurer, they rarely lie to the police in the heat of the moment when reporting the crime.
All that said, I can't recall many instances where the theft wasn't either breaking and entering, or entry through an open access point. As easy as lock picking might be, it's not a common burglary technique.
In the UK where I am, most standard (not budget) property policies would cover theft from an unlocked entry point.
Two main exceptions:
1 - if you are letting the property to someone else, e.g a lodger or have paying guests staying with you then this is typically excluded.
2 - if you have had previous theft claims, live in a high crime area, or you have a particularly high risk (e.g lots of valuables), the Insurer will add an endorsement that you need a minimum standard of locks and have them engaged when the property is unoccupied.
Outside of those, if you accidentally leave a door unlocked, your claim will likely be paid. The situation obviously may be different in other countries. I worked for a property insurer and saw hundreds of these claims (entry via an unlocked entry point) paid during my time there - I also saw many declined because of the above.
I suspect that over time the number of policies in the 'budget' category will continue to increase as price continues to trump everything else for most people]
edit: it is the same for the other lines I mentioned as well -e.g a cyber policy I saw recently has no conditions relating to use of MFA. It will have been factored in when writing the risk (they will have said they use it) and if it turned out it was a lie then there would be an issue with cover but if it was just a case of an admin forgetting to include an OU in the MFA group policy the claim would almost certainly be covered. Policies aimed at the SME space are much more likely to have specific conditions though.
Lots of insurance covers these types of situation which are the result of careless acts...
Don't take the right safety precautions and burn down a customers house - liability insurance
Click on a link in a phishing email and open up your network to a ransomware attack - cyber insurance
Forget to lock your door and get burgled - property insurance
Write buggy software which leads to a hospital having to suspend operations - PI (or E&O) insurance
Fail to adequately adhere to regulatory obligations and get sued - D&O insurance
Obviously there will be various conditions etc which apply but I've been in Insurance a long time and cover for carelessness and stupidity is one of the things which keeps the industry going. I've dealt directly with (paid) claims for all of the above situations.
It doesn't absolve responsibility though, it just protects against the financial loss. I suspect if you leave a child alone with an AI and the house burns down that's going to be the least of your problems.
I have joined 2 discords in the last week (as lots of 'community support' seems to be moving there these days). I set a username but I haven't had to supply any other info - I can't post anything and there's a banner saying I need to claim the account to avoid losing access but it's definitely not every discord which requires a verified account.
Doesn't help with the issues around searching for data from outside of discord.