toomuchtodo

Chart: A record two-thirds of car sales in China are now electric vehicles - https://www.carbonbrief.org/chart-a-record-two-thirds-of-car... - October 23rd, 2026

50% of their heavy duty trucks are electric already, four years ahead of the government’s 2030 target.

Electric trucks hit 50% of China’s heavy truck sales, diesel demand falls - https://news.ycombinator.com/item?id=50340612 - November 2026

BYD is having another ten car carriers built to support growing exports. They’ll be the world‘s biggest auto maker in the next five years.

BYD expands EV shipping fleet as wars upend freight costs and key trade routes - https://news.ycombinator.com/item?id=50333037 - November 2026

- The world’s largest electric vehicle maker will expand its fleet of car-carrying cargo ships to 18 from eight by 2029, according to shipping industry reports. Each new carrier will have the capacity to carry about 9,200 cars and will be built by China Merchants Industry.

- Owning its fleet could cut BYD’s cost to ship each car abroad by as much as 40% compared with renting carriers, according to one industry estimate. BYD’s increasing export capacity could help it push further into global markets, intensifying competition for automakers including Tesla and traditional U.S. brands.

https://cnevpost.com/2026/09/07/byd-targets-2-5-million-over...

- BYD aims to sell more than 2.5 million vehicles overseas in 2027, extending its rapid international growth through a larger shipping fleet and increased production abroad

- Its Indonesian plant has started production, its Brazilian plant is ramping toward annual capacity of 300,000 vehicles, and its Hungarian plant is expected to begin assembly in November or December, Deutsche Bank noted.

https://news.ycombinator.com/item?id=50333022

Gift link: https://www.bloomberg.com/news/articles/2026-11-02/goldman-r...

https://www.finra.org/investors/insights/concentration-risk

https://en.wikipedia.org/wiki/Concentration_risk

https://ncua.gov/regulation-supervision/letters-credit-union...

Abdul El-Sayed Campaign Shatters Single-Day Fundraising Record, Raising Over $2.4 Million - https://abdulforsenate.com/2026/11/abdul-el-sayed-campaign-s... - November 2nd, 2026

- Admissions leaders are looking for any advantage. Two-thirds of them had trouble meeting their enrollment targets in at least one of the last two years, according to a survey by the ratings platform Niche. Ninety-seven percent expect the competition to increase.

- The reality they face: The supply of traditional-age freshmen nationwide is projected to decline by 13 percent over the next 15 years, according to the Western Interstate Commission for Higher Education. The proportion of high school graduates choosing to go on to college is also down, from 70% in 2016 to 63% in 2024, the most recent year for which the figure is available, the Bureau of Labor Statistics reports.

Juan Atkins, pioneer of Detroit techno sound, dies aged 64 - https://news.ycombinator.com/item?id=50328893 - November 2026

Techno Elders, Aging Gracefully in a Youth-Oriented Genre - https://www.nytimes.com/2016/06/08/arts/music/juan-atkins-mo... | https://archive.today/SxGin | https://news.ycombinator.com/item?id=11863446 - June 2016

Broadly speaking, it’s a collective momentum problem. If part of the system inertia sags, another part needs to step in to compensate for the inertia loss, otherwise you have brownouts and eventually, a blackout.

https://neutrino-energy.com/technology/grid-inertia/

https://en.wikipedia.org/wiki/Joe_Lieberman

> During debate on the Affordable Care Act (ACA), as the crucial 60th vote needed to pass the legislation, his opposition to the public health insurance option was critical to its removal from the resulting bill signed by President Barack Obama.

https://www.commonwealthfund.org/publications/newsletter-art...

https://www.globest.com/2026/10/08/commercial-property-price...

https://www.newyorkfed.org/research/staff_reports/sr1130

https://www.federalreserve.gov/econres/feds/files/2026025pap...

https://www.stlouisfed.org/on-the-economy/2025/oct/banking-a...

- BYD aims to sell more than 2.5 million vehicles overseas in 2027, extending its rapid international growth through a larger shipping fleet and increased production abroad

- Its Indonesian plant has started production, its Brazilian plant is ramping toward annual capacity of 300,000 vehicles, and its Hungarian plant is expected to begin assembly in November or December, Deutsche Bank noted.

https://remade.wiki/

N722BD

(no audio in comment linked to)

- "The share of below-3% mortgages outstanding, by number of mortgages, declined to 20.0% of all mortgages outstanding in Q3, the smallest share since Q1 2021, and down from a share of 24.6% at the peak in Q1 2022 (red in the chart), according to data by the Federal Housing Finance Agency (FHFA)."

The Great Housing Freeze: Half of Homeowners Have a Sub-4% Mortgage Rate—and Few Reasons To Move - https://www.realtor.com/news/trends/outstanding-mortgage-rat... - October 22nd, 2026

- "Data from the Federal Housing Finance Agency's National Mortgage Database analyzed by the Realtor.com® economic research team shows that millions of homeowners are locked in to lower rates, with almost half (49%) holding a fixed rate below 4%."

These low rate mortgages will drain from the system over time, as the vast majority of notes are not assumable and will have to be satisfied at transfer.

~2 million people 55+ die every year in the US, and immigration has come to a halt. Not all of those folks will have owned a home, but the vast majority of them will have (first citation), and those homes will be sold. There will be no mass layoff recession due to structural demographics.

Could the US have encouraged more workers to go into the trades with better wages and unions to increase the rate at which the US built houses? Certainly, that was a policy path, and the path I would've chosen. Was impairing inbound immigration another path to destroy domestic housing demand to reduce competition for it when the choice was made to not use policy to increase unit delivery to increase supply (with rising interest rates causing existing home valuations to fall)? It appears so.

US Census: Annual Homeownership Rates for the United States by Age Group: 1982-2025 - https://www.census.gov/housing/hvs/data/charts/fig07.pdf

Population Decline Was Decades Away. Now It’s At America’s Door - https://www.bloomberg.com/news/newsletters/2026-01-31/popula... | https://archive.today/VVOUJ - January 31st, 2026

The US Is Flirting With Its First-Ever Population Decline - https://www.bloomberg.com/news/articles/2026-01-30/trump-imm... | https://archive.today/LdA0d - January 30th, 2026

US Population Growth Slows Sharply Due to Less Immigration - https://www.bloomberg.com/news/articles/2026-01-27/us-popula... | https://archive.today/ePDmG - January 27th, 2026

Map Shows 21 States Where Deaths Now Outnumber Births - https://www.newsweek.com/map-shows-21-states-where-deaths-no... - June 30th, 2025

US Population Set to Shrink by 2033 Without Immigration, CBO Says - https://www.bloomberg.com/news/articles/2025-03-27/us-popula... | https://archive.today/NdTvX - March 27th, 2025

Wikipedia: loss aversion - https://en.wikipedia.org/wiki/Loss_aversion

Housing Market Update: Sellers’ Asking Prices Fall For the First Time Since March - https://www.redfin.com/news/housing-market-update-asking-pri... - October 15th, 2026

- Home prices are losing momentum. The median U.S. home-sale price rose just 0.5% year over year, the slowest growth rate since March. The median asking price fell 0.3% year over year, its first decline since March. Some relief could be on the horizon for buyers.

- Mortgage rates are still a vital stat for homebuyers and sellers. The weekly average mortgage rate hit a 3-year high of 7.4% on October 8. Daily average rates have eased slightly in recent days, dipping to 7.45% on October 14 from 7.61% about a week earlier.

- The typical homebuyer’s monthly payment is $2,777, the highest level on record except the previous week. That’s due to high mortgage rates and still-increasing home prices.

- Homebuying demand remains near record low. Pending home sales ticked up 1.5% from a week earlier–perhaps thanks to rates easing ever-so-slightly–but were still near their lowest level in records dating back to 2021. That includes the end of 2023, when mortgage rates were nearing 8%. Pending sales declined year over year in all 50 of the most populous U.S. metro areas.

- Price drops are at a record high. As sellers come to terms with prices losing steam, more of them are dropping their prices: 22% of home sellers with active listings cut their asking price, up from 20.9% a year earlier and the highest level in our records. [My note: draw attention here]

Sellers who want to (or must) sell now will lower their prices. Sellers who don't will wait, and encounter lower price levels as mortgage rates continue to rise in step with the 10Y. As long as structural demographics ensure a strong labor market (which they will), interest rates will continue to rise both from the Fed raising short term rates and from a capital shortage pushing up longer rates. Forward debt price curve up is real estate price curve down, very simply.

https://www.ustreasuryyieldcurve.com/ (all consumer debt is priced off of US treasury rates, including mortgage debt)

https://www.apollo.com/wealth/insights-news/insights/daily-s...

https://blog.sentinel-team.org/p/special-report-rising-bond-...

You would need to understand the exploit chain needed within an ALPR to determine where a potential weakness would be possible, from camera CCD to the onboard code engine that processes the imagery and ships back to the control plane over a mobile provider network. Not impossible, but not easy, easiest way would be to have an LLM de-compile and search the ALPR's code contents, if one had access to one. This would also help you understand if there was an exploit path into the control plane based on the interface details between the ALPR network and the control plane.

Reverse engineer anything with agents, from app behavior down to native binaries - https://news.ycombinator.com/item?id=50058850 - October 2026

https://github.com/morluto/rea

https://rea.tools