No but with all the other custom electronics it isn't that unreasonable to assume they are telling the truth. Especially when a $200 quadcopter has all that and more and is compatible with dozens of sensor replacements.
Who said anything about magically coming up with an accurate model? That is an entirely different concern. Regardless of the model the AI comes up with, it will be objective.
It does actually seem like a solid application for AI since you could work out a solid model in a spreadsheet for loan applications that contains the most relevant variable in an afternoon. The AI is really just for fuzzy pattern matching indicators that aren't obvious... like say any correlation with race, gender, age, and some types of credit report data. Usually financial organizations form complex structures of rules and guidelines and have some sort of credit authority scheme based on knowledge and consistency of application of those rules and/or guidelines to empower people to make exceptions and determining how large of exceptions they can make.
We can already build AI systems well enough to provably out diagnose ER doctors we can certainly manage something as straightforward as credit analysis that only has about 20-30 important variables with those clearly defined. The trouble is going to be for organizations doing things like auto loans where on paper they want to make solid loans, fairly, and in compliance with regulation and in reality actually want somewhat risky loans because they make the majority of their profit from fees, penalties, missed promotional periods, higher interest charged due to making exceptions, etc. For a human they can say to do the on paper right thing and then punish them for poor performance relative to peers who are making the risky loans while rewarding those peers automatically with commissions. It's harder to tell a machine to pretend ethics and sound judgement are important but deviate in every situation you can spin an excuse for or write off as a mistake if caught.
From the perspective of banks I suppose that is true. Even without bailouts many kinds of financing are designed around making their money on loans that don't get paid/paid on time now. For instance auto financing works that way and all the 0% merchant financing that balloons from 0% to 25%+ on a missed payment or once the term passes but intentionally sets a minimum payment low enough that it wouldn't pay off the loan in time. Arguably it should be illegal but those 0% loans do benefit those of us who know how it works, wait until we have the full amount before we buy, and then set the funds aside to gather interest and then pay the full sum before the bell.
If that is the case then the AI should have that data to parse objectively and make decisions on. There is no benefit to forcing loans to be given to people who don't pay them. I doubt having a vagina or alternate skin color is the root cause personally but having trouble getting loans should inspire those who share these attributes to find and resolve the issues that lead to this irresponsible behavior. The current system only props up entitlement issues.
Crying it's not fair doesn't help anything. You have to do something about it, and doing something isn't fighting against the unfairness it is doing what you have to in order to succeed despite the fact life is unfair and never will be. These groups aren't the only ones who face unfair situations and challenges.
Only if they are riskier loans which isn't the fault of anyone but the women and minorities. You seem to work from the assumption that women and minorities are more likely to skip out of their bills.
Ummm... no, human prejudices do not change whether or not you failed to pay your loan or pay it on time. In order to be fair we pretend that all groups are equal which may be a faulty assumption, if you force your AI to make the same assumption you ARE introducing a bias.
That's true but in some ways not the best example. Parrots have toddler and beyond level intelligence. They might not use words, phrases, and sounds in exactly the way we do and love to hear the sound of their own voice so to speak but also use language and sound to communicate intentionally, can be taught to count, and even to understand abstract concepts. The idea that parrots are unintellegent is based on the mistaken association between the size of a brain and intelligence and was only debunked within the last 20 years which is why "bird brained" and "parroting back to you" are still used. That and thanks to Hitchcock many people have an irrational fear of birds, they interact with and anthromorphize far less intelligent creatures such as dogs and cats. A dog can learn tricks, a cat can learn tricks and is bright enough that it won't do them to amuse you, a bird is intelligent enough to intentionally manipulate you and teach you tricks if you aren't careful.
This just sounds like a typical chatbot, keys off certain words and spouts disjointed phrases and remarks. The only coherent speech there were obviously pre-programmed phrases written by humans it's obvious because nothing else was coherent.
"There are also commercial applications for sensor data: How many cars drive by a billboard? How many people walk by a storefront per day? How many of those people have dogs? These are all questions we could easily answer with roadside sensors."
First of all, the last thing we need is more effective advertising. Second we don't need any new information gathering devices created and installed in our current political climate. If installed today these sensors wouldn't just track anonymous data, they would also track WHO did the walking and what car drove by. Today they'd build those capabilities in and probably lie about it. Even without building that capability into the system you could find the paths of sensors and correlate with GPS data to determine not only where my car went but whether or not I drove it.
It's only a matter of time before they say my car (which I say is lost and they fished out of the river) going to my office, combined with my gps signal and phone (which I conveniently say I lost) along with those of my wife is proof I killed her. There is a small chance any one of those could be a coincidence but the probability of all of the above being a coincidence exceeds any reasonable doubt! Little did I know I forgot my phone that day, my wife noticed and was bringing it to me when stopped at a gas station and was murdered by a mugger who disposed of the body and car in the river.
The only improbable thing there is actually my wife getting mugged and killed, the rest is actually a pretty normal occurance. No thank you. This is why the last thing you should ever want is the police to have more data.
Actually I'm shocked people aren't talking about writing in Bernie Sanders. Everyone pretends the dnc chair getting sacked took care of her collusion with them, Clinton should have been ineligable for nomination as a result.
Alas I meant vaping for nicotine which means you need a dose about every 15 seconds or after about 15-30mins you start to feel the withdraw, teeth clenched, impatient and irritable, chills, and a growing tension in your spine like you need to crack your back.
That is what is frustrating, most people switched to vaping which is relative to smoking fairly harmless and certainly harmless for second hand purposes (unless you get a room full of those sub-ohm I want to be a dragon people). But because it reminds people of smoking they do everything they can to try to spin anything they can find into a big health risk to force vapers back into outcast status like smokers. It sucks because smoking is something you do in a burst, smoke a cigerette and you are good for 15min-2hrs, vaping is constant intake of small doses every 15sec-2min, so you start to have withdraw faster and it is more intense because you actually intake far more nicotine with vaping.
Sad, sad for you. If you have glasses you likely also don't enjoy 3D films, sad, sad for you.
For the vast majority of us who don't have a rare allergy to propylene glycol, hair care products, deoderant, and/or perfume the solution seems to be not to bar those things and "don't expect you to be there."
But that is definitely ideal. We could just all watch movies in our own home theaters instead of mass public spaces and you can just watch movies with a friend subset where you won't have a conflict and can enjoy your experience while I do the same. Afterward we can still get together for a barbeque or other outdoor experience and I won't blow propolyene glycol in your face because I'm not an ass. The current situation forces one of us to take our enjoyment at the expense of the other.
I'd still rather just do that at home on my 120" screen and thx certified 7.1 surround. Where I can invite just the people I want. And where I can not get gouged $20-40 for less than a dollar worth of refreshments. They are better quality some place like Alamo drafthouse but they are still gouging you. Understandable since they have a massive theater they have to pay for but I already pay for a theater at home.
The only thing the theaters have going for them is getting the movies sooner. There are boxes that let you get the theater releases but they are ridiculously expensive and have intentionally locked down controls and limited selection.
Alamo draft house actually does get rid of the talking. You place your orders on written notes if you indicate someone is talking on that note they give them one warning and on the next offense throw them out.
None is more than adequate for 99% of users and water resistence on an electronic device should not be trusted regardless. In 10 years I've never needed water resistance. There is a reason they make a mint selling suckers protection plans to cover it.
I love how you say that like it's a good thing. Dropping the headphone jack is a way to break compatibility with payment swipe devices like square. The aim is to force people to use apple pay. Not to mention being the last drm free port on the device.
50m water resistance. Oh yes, we all want payment services and millions of device configurations that depend on the heaphone jack as a drm free input source so we can have this glorious feature nobody cares about. Samsung already has water resistance that is more than adequate.
Also did anyone consider that nobody actually wants phones to be any slimmer? I don't know how they got so many suckers to buy phontablets that don't fit in their pockets but most people who have look at my moto x which went smaller and a perfect fit in the hand with envy.
There is too thin (hand ergonomics), there is too light (aka fragile and lacking haptic feedback in handling), and there is too large (no longer fits forgetably in a front pocket/hand ergonomics).
I'd love to see one of these little guys with six cores, dual nics, up to 16gb ram, and an external sata port. With an x86 based cpu they would make beautiful super cheap nodes for a private openstack cloud. Since people would be buying several of them and some companies might even considering building very large stacks on them the volume would allow them to be cheaper than this.
Most of those will come with the phone. At 3.5 a month that would cover a couple months maybe even 4 months at that rate if you really hate default apps but you'd really have everything in a month. Where are all these other apps coming from? 3.5/month is 42 apps in just the first year with a 2 year upgrade pace that is 84 apps. Insane to think you'd remember what all that is. Maybe these are 6 month phone switchers who have a decent number of apps and automatically redownload everything with each new phone and that gets counted again with each phone. That would be 24 apps downloading with/over the course of each phone which sounds somewhere in the ballpark of sane. Especially because people tend to play with new things when they get a new phone.
Which is ridiculous. The republican centric news sources are so ridiculous nobody with critical thinking skills believes in them. The D flavor spin actually tries to sound intelligent and appeal to people who've taken a critical thinking course, relying on logic and avoiding obvious logical fallacies and rhetoric.
The D media dropped all pretense during the Sanders v Clinton thing right through the convention. Of course D and R are really just two faces of the same ruling party designed to keep us divided.
Who cares about the journalist thing, that is the definition of going undercover. But you can't put on a girl scout uniform and bug my computer, install cameras, wiretap me, search (including digital searches), etc.
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No but with all the other custom electronics it isn't that unreasonable to assume they are telling the truth. Especially when a $200 quadcopter has all that and more and is compatible with dozens of sensor replacements.
You don't need new garmins anymore for $100 you can get a tomtom/garmin/whatever with maps for life.
Who said anything about magically coming up with an accurate model? That is an entirely different concern. Regardless of the model the AI comes up with, it will be objective.
It does actually seem like a solid application for AI since you could work out a solid model in a spreadsheet for loan applications that contains the most relevant variable in an afternoon. The AI is really just for fuzzy pattern matching indicators that aren't obvious... like say any correlation with race, gender, age, and some types of credit report data. Usually financial organizations form complex structures of rules and guidelines and have some sort of credit authority scheme based on knowledge and consistency of application of those rules and/or guidelines to empower people to make exceptions and determining how large of exceptions they can make.
We can already build AI systems well enough to provably out diagnose ER doctors we can certainly manage something as straightforward as credit analysis that only has about 20-30 important variables with those clearly defined. The trouble is going to be for organizations doing things like auto loans where on paper they want to make solid loans, fairly, and in compliance with regulation and in reality actually want somewhat risky loans because they make the majority of their profit from fees, penalties, missed promotional periods, higher interest charged due to making exceptions, etc. For a human they can say to do the on paper right thing and then punish them for poor performance relative to peers who are making the risky loans while rewarding those peers automatically with commissions. It's harder to tell a machine to pretend ethics and sound judgement are important but deviate in every situation you can spin an excuse for or write off as a mistake if caught.
From the perspective of banks I suppose that is true. Even without bailouts many kinds of financing are designed around making their money on loans that don't get paid/paid on time now. For instance auto financing works that way and all the 0% merchant financing that balloons from 0% to 25%+ on a missed payment or once the term passes but intentionally sets a minimum payment low enough that it wouldn't pay off the loan in time. Arguably it should be illegal but those 0% loans do benefit those of us who know how it works, wait until we have the full amount before we buy, and then set the funds aside to gather interest and then pay the full sum before the bell.
If that is the case then the AI should have that data to parse objectively and make decisions on. There is no benefit to forcing loans to be given to people who don't pay them. I doubt having a vagina or alternate skin color is the root cause personally but having trouble getting loans should inspire those who share these attributes to find and resolve the issues that lead to this irresponsible behavior. The current system only props up entitlement issues.
Crying it's not fair doesn't help anything. You have to do something about it, and doing something isn't fighting against the unfairness it is doing what you have to in order to succeed despite the fact life is unfair and never will be. These groups aren't the only ones who face unfair situations and challenges.
Only if they are riskier loans which isn't the fault of anyone but the women and minorities. You seem to work from the assumption that women and minorities are more likely to skip out of their bills.
Ummm... no, human prejudices do not change whether or not you failed to pay your loan or pay it on time. In order to be fair we pretend that all groups are equal which may be a faulty assumption, if you force your AI to make the same assumption you ARE introducing a bias.
That's true but in some ways not the best example. Parrots have toddler and beyond level intelligence. They might not use words, phrases, and sounds in exactly the way we do and love to hear the sound of their own voice so to speak but also use language and sound to communicate intentionally, can be taught to count, and even to understand abstract concepts. The idea that parrots are unintellegent is based on the mistaken association between the size of a brain and intelligence and was only debunked within the last 20 years which is why "bird brained" and "parroting back to you" are still used. That and thanks to Hitchcock many people have an irrational fear of birds, they interact with and anthromorphize far less intelligent creatures such as dogs and cats. A dog can learn tricks, a cat can learn tricks and is bright enough that it won't do them to amuse you, a bird is intelligent enough to intentionally manipulate you and teach you tricks if you aren't careful.
I believe people need to buy more things they seek out in response to actual needs and nothing in response to advertising.
This just sounds like a typical chatbot, keys off certain words and spouts disjointed phrases and remarks. The only coherent speech there were obviously pre-programmed phrases written by humans it's obvious because nothing else was coherent.
"There are also commercial applications for sensor data: How many cars drive by a billboard? How many people walk by a storefront per day? How many of those people have dogs? These are all questions we could easily answer with roadside sensors."
First of all, the last thing we need is more effective advertising. Second we don't need any new information gathering devices created and installed in our current political climate. If installed today these sensors wouldn't just track anonymous data, they would also track WHO did the walking and what car drove by. Today they'd build those capabilities in and probably lie about it. Even without building that capability into the system you could find the paths of sensors and correlate with GPS data to determine not only where my car went but whether or not I drove it.
It's only a matter of time before they say my car (which I say is lost and they fished out of the river) going to my office, combined with my gps signal and phone (which I conveniently say I lost) along with those of my wife is proof I killed her. There is a small chance any one of those could be a coincidence but the probability of all of the above being a coincidence exceeds any reasonable doubt! Little did I know I forgot my phone that day, my wife noticed and was bringing it to me when stopped at a gas station and was murdered by a mugger who disposed of the body and car in the river.
The only improbable thing there is actually my wife getting mugged and killed, the rest is actually a pretty normal occurance. No thank you. This is why the last thing you should ever want is the police to have more data.
Actually I'm shocked people aren't talking about writing in Bernie Sanders. Everyone pretends the dnc chair getting sacked took care of her collusion with them, Clinton should have been ineligable for nomination as a result.
Alas I meant vaping for nicotine which means you need a dose about every 15 seconds or after about 15-30mins you start to feel the withdraw, teeth clenched, impatient and irritable, chills, and a growing tension in your spine like you need to crack your back.
That is what is frustrating, most people switched to vaping which is relative to smoking fairly harmless and certainly harmless for second hand purposes (unless you get a room full of those sub-ohm I want to be a dragon people). But because it reminds people of smoking they do everything they can to try to spin anything they can find into a big health risk to force vapers back into outcast status like smokers. It sucks because smoking is something you do in a burst, smoke a cigerette and you are good for 15min-2hrs, vaping is constant intake of small doses every 15sec-2min, so you start to have withdraw faster and it is more intense because you actually intake far more nicotine with vaping.
Sad, sad for you. If you have glasses you likely also don't enjoy 3D films, sad, sad for you.
For the vast majority of us who don't have a rare allergy to propylene glycol, hair care products, deoderant, and/or perfume the solution seems to be not to bar those things and "don't expect you to be there."
But that is definitely ideal. We could just all watch movies in our own home theaters instead of mass public spaces and you can just watch movies with a friend subset where you won't have a conflict and can enjoy your experience while I do the same. Afterward we can still get together for a barbeque or other outdoor experience and I won't blow propolyene glycol in your face because I'm not an ass. The current situation forces one of us to take our enjoyment at the expense of the other.
I'd still rather just do that at home on my 120" screen and thx certified 7.1 surround. Where I can invite just the people I want. And where I can not get gouged $20-40 for less than a dollar worth of refreshments. They are better quality some place like Alamo drafthouse but they are still gouging you. Understandable since they have a massive theater they have to pay for but I already pay for a theater at home.
The only thing the theaters have going for them is getting the movies sooner. There are boxes that let you get the theater releases but they are ridiculously expensive and have intentionally locked down controls and limited selection.
Alamo draft house actually does get rid of the talking. You place your orders on written notes if you indicate someone is talking on that note they give them one warning and on the next offense throw them out.
Also a strict no talking policy they actually enforce. Unfortunately they are no longer vape friendly.
Your home theater is a better place. Public theaters aren't dark enough or empty enough to do anything but watch the movie.
None is more than adequate for 99% of users and water resistence on an electronic device should not be trusted regardless. In 10 years I've never needed water resistance. There is a reason they make a mint selling suckers protection plans to cover it.
I love how you say that like it's a good thing. Dropping the headphone jack is a way to break compatibility with payment swipe devices like square. The aim is to force people to use apple pay. Not to mention being the last drm free port on the device.
50m water resistance. Oh yes, we all want payment services and millions of device configurations that depend on the heaphone jack as a drm free input source so we can have this glorious feature nobody cares about. Samsung already has water resistance that is more than adequate.
Also did anyone consider that nobody actually wants phones to be any slimmer? I don't know how they got so many suckers to buy phontablets that don't fit in their pockets but most people who have look at my moto x which went smaller and a perfect fit in the hand with envy.
There is too thin (hand ergonomics), there is too light (aka fragile and lacking haptic feedback in handling), and there is too large (no longer fits forgetably in a front pocket/hand ergonomics).
I'd love to see one of these little guys with six cores, dual nics, up to 16gb ram, and an external sata port. With an x86 based cpu they would make beautiful super cheap nodes for a private openstack cloud. Since people would be buying several of them and some companies might even considering building very large stacks on them the volume would allow them to be cheaper than this.
Most of those will come with the phone. At 3.5 a month that would cover a couple months maybe even 4 months at that rate if you really hate default apps but you'd really have everything in a month. Where are all these other apps coming from? 3.5/month is 42 apps in just the first year with a 2 year upgrade pace that is 84 apps. Insane to think you'd remember what all that is. Maybe these are 6 month phone switchers who have a decent number of apps and automatically redownload everything with each new phone and that gets counted again with each phone. That would be 24 apps downloading with/over the course of each phone which sounds somewhere in the ballpark of sane. Especially because people tend to play with new things when they get a new phone.
How many apps could you need actually remember you have and use?
Which is ridiculous. The republican centric news sources are so ridiculous nobody with critical thinking skills believes in them. The D flavor spin actually tries to sound intelligent and appeal to people who've taken a critical thinking course, relying on logic and avoiding obvious logical fallacies and rhetoric.
The D media dropped all pretense during the Sanders v Clinton thing right through the convention. Of course D and R are really just two faces of the same ruling party designed to keep us divided.
Who cares about the journalist thing, that is the definition of going undercover. But you can't put on a girl scout uniform and bug my computer, install cameras, wiretap me, search (including digital searches), etc.