I dont know you about you, but the reason I read is to learn and retain -- many studies havnt shown audiobooks are much worse than reading for retention.
same, i use the voice feature every day at the gym, talk to it for 1 hour, and then make anki cards based on what it has taught me, total game changer.
neither of them are sane. BTC is useless, unless your trying to buy child porn, buy illicit drugs on the internet, or someone who bought it before the value exploded. eventually, the world will come around and it will go to zero, if quantum doesnt kill it first. im looking forward to that day.
anthropic's products are much better, anthropic and google will win the AI race, we wont even be talking about OpenAI in a few years when they run out of $ or compute and get acquired. They will be remembered by their Wikipedia page(s).
Local governments have obvious incentives to encourage building, but the state of Florida itself does subsidize flood and hurricane insurance.
If you own a house or building in Florida and have a mortgage, you're required to carry it. Here's how a policy gets priced:
You go to a retail broker with your info. They pass it to a wholesaler, who puts the submission out into the market for quotes. Any carrier or MGA that wants the business prices the CAT and AOP (non-CAT) portions separately. Actuaries build models for the AOP side, while Verisk and Moody's model the CAT portion. Those two numbers get added together, plus some fees — and that's your annual premium.
From there, the insurers buy reinsurance on their portfolios. The reinsurers run those same models, do their magic, and come up with their own price.
Just an example, because no major hurricanes have hit the south east in a while, premiums are down 30% right now. All of the insurance companies are getting squeezed.