Bensemus

Bensemus t1_jae63jy wrote

It's not just mouse movement. It has a ton of data on how you are interacting with the browser and uses all of it to determine if you are a bot or not. If it's not confident you are a human you get to answer a captcha. Some just ask you to answer a captcha every time.

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Bensemus t1_ja9rmc6 wrote

> it’s way riskier using you card since that’s always emitting the signal

It's not. The card has no power. The power is wirelessly sent to the card when you are tapping it.

If you bring the proper device close to the card it will start talking vs your phone which needs the CC or debit card first opened before it bothers looking for a terminal to talk to.

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Bensemus t1_ja9r9ed wrote

> Contactless tap is basically the same as chip, just done over radio waves instead of wires. This makes it easier to eavesdrop, but as we established already, eavesdropping on a chip payment isn't all that helpful to a thief, so we don't really care about that! > > Now, finally, the payment apps. When you install a payment app and register a card to it, what you are essentially doing is turning your phone/watch/whatever into a credit card chip. The credit card company creates a secret program that works like a chip--takes a gibberish question in, gives a gibberish answer back--and installs a copy of it to your device. So when you tap your device to the reader, it gets asked a gibberish question, it creates a gibberish answer, and radios it back to the terminal, just like a chip. This proves that you have the physical device. It doesn't prove you have the physical card, but registering the card in the app in the first place did prove that you must have had it at some point, which is good enough.

Another bit of security for tap purchases is a low limit. If I use my CC's chip I can do a transaction worth the entire limit on the card. However if I tap I can only do idk $100, $250? Somewhere in there.

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Bensemus t1_ja9qh7l wrote

Stopping distance is determined by your tire grip. Brakes can already lock up all for tires. Modern and even most old cars are over braked. There's nothing gained from engine braking as it all relies on the tires maintaining traction.

To control speed outside of emergency stopping engine braking is very useful.

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Bensemus t1_ja9pvqs wrote

> engine braking reduces the excess energy leftover once the tires would start skidding,

This sentence makes no sense. The wheels have a certain amount of grip. That doesn't' change depending on how the car is being slowed down. If you are skidding you've exceeded the wheel's grip.

To control speed both brakes or engine braking work. To emergency stop engine braking offers nothing.

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Bensemus t1_ja9ok26 wrote

You misunderstand. Four engines is more expensive to operate than three which is more expensive to operate than two. Airlines what planes that are cheap to operate. Due to ETOPS regulations the cheapest two engine planes weren't the cheapest to operate on certain routes due to having to take longer routes to stay within x minutes of an airport. So they went one engine up. Three engines made the plane more expensive but this was countered by being able to fly more direct routes.

Four engines were used only on the largest aircraft due to needing all that thrust to fly. Modern engines are powerful enough to only need two and ETOPS regulations have greatly relaxed with increased engine reliability.

When a multi-engine plane loses and engine they never shut down an opposing one if they can avoid it. Planes can fly with asymmetric thrust, it's just not efficient. So while you would never design a plane with asymmetric thrust you don't crash when it happens.

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Bensemus t1_ja9nbxs wrote

Reply to comment by BigUT in Eli5 credit score please. by astajaznan

> It has nothing to do with managing your money well, it's the supidest shit.

But it does. Getting into CC debt shows poor money management skills. Having access to credit and using it well shows you are trust worthy and institutions will be willing to lend you more money at cheaper rates.

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Bensemus t1_ja9n4c7 wrote

Reply to comment by astajaznan in Eli5 credit score please. by astajaznan

Credit cards just seem to be used fundamentally different in your country.

In Western countries it's expected that adults will have at least one credit card. So many things can be tied to that card. A big one is automatic bill payments. Not all can be tied to your bank account. So when you go to apply for a mortgage the bank is expecting you to already have a credit history. If you use your credit cards right it means you never miss a payment. Even better if you don't carry a large balance on them. The bank will see your payment history and can see how much of the credit card you are using. It then uses this info as part of its calculation on what kind of mortgage it's willing to offer you.

If you don't have a credit card the bank has no history to use in it's calculation. It has no idea how good or bad you are with other people's money. It's still possible to get a loan or mortgage without a credit history but it's harder. The bank will relay way more on the other information you give so often you will need a much better job or more assets for them to be confident that you will pay them back.

Having a credit card doesn't mean you are bad with money on its own. It's entirely based on how you use it. Normally when you first get a credit card it might be a secured one. These have very low limits and you need to pay into them before spending money. These are designed for people with no or poor credit to build up a good history. Once you have a history or a better one you should move to an unsecured card. This is what people think of when talking about credit cards. These have larger limits and you get a bill every month showing what you owe, your minimum payment, etc. To maintain a good score you don't need to fully pay off the balance. You need to make at least your minimum payment and it's good to maintain a low level of utilization. This means that if your limit is 10k, your balance is say 3.5k or maybe up to 5k. If you maintain a balance near 10k this is noted in your history. Some people really overreact to high utilization. It will make it harder to get more loans but it doesn't really lower your score. It more pauses it while you pay down the balance. However regardless of whether or not it's affecting your score is the fact that that balance is costing you a ton in interest. Bank loans usually have pretty low interest while credit cards are often 3-5 times higher.

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Bensemus t1_ja9l0is wrote

Reply to comment by astajaznan in Eli5 credit score please. by astajaznan

Using the credit card responsibly looks good to the bank. However you can also use it poorly which looks bad to the bank. So just having a credit card isn't enough. They look at how you are using it.

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Bensemus t1_j9rads6 wrote

The other one where ~2k dishes experience a temporary outage was due to a billing issue between Ukraine, the UK, and SpaceX. That issue was quickly resolved and those dishes were active again. That was 2k out of about 25k.

Or the issue where during an offence Ukraine lost comms through Starlink. that was due to them outrunning it. SpaceX is only activating Starlink in areas Ukraine is operating in. Makes sense SpaceX wouldn't have access to classified military operations so they were slower to act than Ukraine was advancing. That was also quickly fixed as SpaceX activated more cells.

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