Albert Putnam
albertputnam.bsky.social
Albert Putnam
@albertputnam.bsky.social
Interests: Process. Math. Physics. Cybersecurity. IoT. Railroads. Miniatures. Solar. Embedded Systems. Electronics. Engineering. AI. Data Science. Outliers. Truth.
Reposted by Albert Putnam
I used to hate QR codes. But they're actually genius
I used to hate QR codes. But they're actually genius
How do QR codes work? The checkerboard patterns taking over the world, demystified. Go to https://Saily.com/veritasium and use the code ‘veritasium’ to get a...
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October 4, 2024 at 9:08 AM
Reposted by Albert Putnam
This Single Rule Underpins All of Physics
This Single Rule Underpins All of Physics
The single principle that underpins all of physics. Head to https://brilliant.org/veritasium to start your free 30-day trial and get 20% off an annual premiu...
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October 29, 2024 at 1:00 PM
Reposted by Albert Putnam
I love Twitter. It has been very good to me. But I cannot get beyond the idea that it is run by someone who wants to rule over us as part of the state and profit from us simultaneously.
November 13, 2024 at 1:37 PM
Reposted by Albert Putnam
EU immigration law expert and former illegal alien Elon Musk has something to say
November 13, 2024 at 4:23 PM
Reposted by Albert Putnam
Pluralistic: Conspiratorialism as a material phenomenon (29 Oct 2024)
Today's links Conspiratorialism as a material phenomenon: What work does a conspiracy fantasy do? Hey look at this: Delights to delectate. This day in history: 2004, 2009, 2014, 2019 Upcoming appearances: Where to find me. Recent appearances: Where I've been. Latest books: You keep readin' em, I'll keep writin' 'em. Upcoming books: Like I said, I'll keep writin' 'em. Colophon: All the rest. Conspiratorialism as a material phenomenon (permalink) I think it behooves us to be a little skeptical of stories about AI driving people to believe wrong things and commit ugly actions. Not that I like the AI slop that is filling up our social media, but when we look at the ways that AI is harming us, slop is pretty low on the list. The real AI harms come from the actual things that AI companies sell AI to do. There's the AI gun-detector gadgets that the credulous Mayor Eric Adams put in NYC subways, which led to 2,749 invasive searches and turned up zero guns: https://www.cbsnews.com/newyork/news/nycs-subway-weapons-detector-pilot-program-ends/ Any time AI is used to predict crime – predictive policing, bail determinations, Child Protective Services red flags – they magnify the biases already present in these systems, and, even worse, they give this bias the veneer of scientific neutrality. This process is called "empiricism-washing," and you know you're experiencing it when you hear some variation on "it's just math, math can't be racist": https://pluralistic.net/2020/06/23/cryptocidal-maniacs/#phrenology When AI is used to replace customer service representatives, it systematically defrauds customers, while providing an "accountability sink" that allows the company to disclaim responsibility for the thefts: https://pluralistic.net/2024/04/23/maximal-plausibility/#reverse-centaurs When AI is used to perform high-velocity "decision support" that is supposed to inform a "human in the loop," it quickly overwhelms its human overseer, who takes on the role of "moral crumple zone," pressing the "OK" button as fast as they can. This is bad enough when the sacrificial victim is a human overseeing, say, proctoring software that accuses remote students of cheating on their tests: https://pluralistic.net/2022/02/16/unauthorized-paper/#cheating-anticheat But it's potentially lethal when the AI is a transcription engine that doctors have to use to feed notes to a data-hungry electronic health record system that is optimized to commit health insurance fraud by seeking out pretenses to "upcode" a patient's treatment. Those AIs are prone to inventing things the doctor never said, inserting them into the record that the doctor is supposed to review, but remember, the only reason the AI is there at all is that the doctor is being asked to do so much paperwork that they don't have time to treat their patients: https://apnews.com/article/ai-artificial-intelligence-health-business-90020cdf5fa16c79ca2e5b6c4c9bbb14 My point is that "worrying about AI" is a zero-sum game. When we train our fire on the stuff that isn't important to the AI stock swindlers' business-plans (like creating AI slop), we should remember that the AI companies could halt all of that activity and not lose a dime in revenue. By contrast, when we focus on AI applications that do the most direct harm – policing, health, security, customer service – we also focus on the AI applications that make the most money and drive the most investment. AI hasn't attracted hundreds of billions in investment capital because investors love AI slop. All the money pouring into the system – from investors, from customers, from easily gulled big-city mayors – is chasing things that AI is objectively very bad at and those things also cause much more harm than AI slop. If you want to be a good AI critic, you should devote the majority of your focus to these applications. Sure, they're not as visually arresting, but discrediting them is financially arresting, and that's what really matters. All that said: AI slop is real, there is a lot of it, and just because it doesn't warrant priority over the stuff AI companies actually sell, it still has cultural significance and is worth considering. AI slop has turned Facebook into an anaerobic lagoon of botshit, just the laziest, grossest engagement bait, much of it the product of rise-and-grind spammers who avidly consume get rich quick "courses" and then churn out a torrent of "shrimp Jesus" and fake chainsaw sculptures: https://www.404media.co/email/1cdf7620-2e2f-4450-9cd9-e041f4f0c27f/ For poor engagement farmers in the global south chasing the fractional pennies that Facebook shells out for successful clickbait, the actual content of the slop is beside the point. These spammers aren't necessarily tuned into the psyche of the wealthy-world Facebook users who represent Meta's top monetization subjects. They're just trying everything and doubling down on anything that moves the needle, A/B splitting their way into weird, hyper-optimized, grotesque crap: https://www.404media.co/facebook-is-being-overrun-with-stolen-ai-generated-images-that-people-think-are-real/ In other words, Facebook's AI spammers are laying out a banquet of arbitrary possibilities, like the letters on a Ouija board, and the Facebook users' clicks and engagement are a collective ideomotor response, moving the algorithm's planchette to the options that tug hardest at our collective delights (or, more often, disgusts). So, rather than thinking of AI spammers as creating the ideological and aesthetic trends that drive millions of confused Facebook users into condemning, praising, and arguing about surreal botshit, it's more true to say that spammers are discovering these trends within their subjects' collective yearnings and terrors, and then refining them by exploring endlessly ramified variations in search of unsuspected niches. (If you know anything about AI, this may remind you of something: a Generative Adversarial Network, in which one bot creates variations on a theme, and another bot ranks how closely the variations approach some ideal. In this case, the spammers are the generators and the Facebook users they evince reactions from are the discriminators) https://en.wikipedia.org/wiki/Generative_adversarial_network I got to thinking about this today while reading User Mag, Taylor Lorenz's superb newsletter, and her reporting on a new AI slop trend, "My neighbor’s ridiculous reason for egging my car": https://www.usermag.co/p/my-neighbors-ridiculous-reason-for The "egging my car" slop consists of endless variations on a story in which the poster (generally a figure of sympathy, canonically a single mother of newborn twins) complains that her awful neighbor threw dozens of eggs at her car to punish her for parking in a way that blocked his elaborate Hallowe'en display. The text is accompanied by an AI-generated image showing a modest family car that has been absolutely plastered with broken eggs, dozens upon dozens of them. According to Lorenz, variations on this slop are topping very large Facebook discussion forums totalling millions of users, like "Movie Character…,USA Story, Volleyball Women, Top Trends, Love Style, and God Bless." These posts link to SEO sites laden with programmatic advertising. The funnel goes: i. Create outrage and hence broad reach; ii, A small percentage of those who see the post will click through to the SEO site; iii. A small fraction of those users will click a low-quality ad; iv. The ad will pay homeopathic sub-pennies to the spammer. The revenue per user on this kind of scam is next to nothing, so it only works if it can get very broad reach, which is why the spam is so designed for engagement maximization. The more discussion a post generates, the more users Facebook recommends it to. These are very effective engagement bait. Almost all AI slop gets some free engagement in the form of arguments between users who don't know they're commenting an AI scam and people hectoring them for falling for the scam. This is like the free square in the middle of a bingo card. Beyond that, there's multivalent outrage: some users are furious about food wastage; others about the poor, victimized "mother" (some users are furious about both). Not only do users get to voice their fury at both of these imaginary sins, they can also argue with one another about whether, say, food wastage even matters when compared to the petty-minded aggression of the "perpetrator." These discussions also offer lots of opportunity for violent fantasies about the bad guy getting a comeuppance, offers to travel to the imaginary AI-generated suburb to dole out a beating, etc. All in all, the spammers behind this tedious fiction have really figured out how to rope in all kinds of users' attention. Of course, the spammers don't get much from this. There isn't such a thing as an "attention economy." You can't use attention as a unit of account, a medium of exchange or a store of value. Attention – like everything else that you can't build an economy upon, such as cryptocurrency – must be converted to money before it has economic significance. Hence that tooth-achingly trite high-tech neologism, "monetization." The monetization of attention is very poor, but AI is heavily subsidized or even free (for now), so the largest venture capital and private equity funds in the world are spending billions in public pension money and rich peoples' savings into CO2 plumes, GPUs, and botshit so that a bunch of hustle-culture weirdos in the Pacific Rim can make a few dollars by tricking people into clicking through engagement bait slop – twice. The slop isn't the point of this, but the slop does have the useful function of making the collective ideomotor response visible and thus providing a peek into our hopes and fears. What does the "egging my car" slop say about the things that we're thinking about? Lorenz cites Jamie Cohen, a media scholar at CUNY Queens, who points out that subtext of this slop is "fear and distrust in people about their neighbors." Cohen predicts that "the next trend, is going to be stranger and more violent.” This feels right to me. The corollary of mistrusting your neighbors, of course, is trusting only yourself and your family. Or, as Margaret Thatcher liked to say, "There is no such thing as society. There are individual men and women and there are families." We are living in the tail end of a 40 year experiment in structuring our world as though "there is no such thing as society." We've gutted our welfare net, shut down or privatized public services, all but abolished solidaristic institutions like unions. This isn't mere aesthetics: an atomized society is far more hospitable to extreme wealth inequality than one in which we are all in it together. When your power comes from being a "wise consumer" who "votes with your wallet," then all you can do about the climate emergency is buy a different kind of car – you can't build the public transit system that will make cars obsolete. When you "vote with your wallet" all you can do about animal cruelty and habitat loss is eat less meat. When you "vote with your wallet" all you can do about high drug prices is "shop around for a bargain." When you vote with your wallet, all you can do when your bank forecloses on your home is "choose your next lender more carefully." Most importantly, when you vote with your wallet, you cast a ballot in an election that the people with the thickest wallets always win. No wonder those people have spent so long teaching us that we can't trust our neighbors, that there is no such thing as society, that we can't have nice things. That there is no alternative. The commercial surveillance industry really wants you to believe that they're good at convincing people of things, because that's a good way to sell advertising. But claims of mind-control are pretty goddamned improbable – everyone who ever claimed to have managed the trick was lying, from Rasputin to MK-ULTRA: https://pluralistic.net/HowToDestroySurveillanceCapitalism Rather than seeing these platforms as convincing people of things, we should understand them as discovering and reinforcing the ideology that people have been driven to by material conditions. Platforms like Facebook show us to one another, let us form groups that can imperfectly fill in for the solidarity we're desperate for after 40 years of "no such thing as society." The most interesting thing about "egging my car" slop is that it reveals that so many of us are convinced of two contradictory things: first, that everyone else is a monster who will turn on you for the pettiest of reasons; and second, that we're all the kind of people who would stick up for the victims of those monsters. (Image: Cryteria, CC BY 3.0, modified) Hey look at this (permalink) Pluralistic collages https://www.flickr.com/photos/doctorow/albums/72177720316719208 The incredible reason for Disneyland's first fully air-conditioned attraction https://www.sfgate.com/disneyland/article/disneyland-attraction-walt-disney-name-19844367.php (h/t Slashdot) MajorDom — Your Effortlessly Simple Smart Home https://www.kickstarter.com/projects/parkerindustries/majordom-your-effortlessly-simple-smart-home This day in history (permalink) #20yrsago Disney sued by “inventor” of FastPass system https://web.archive.org/web/20041101023537/http://www.patentlyobviousblog.com/2004/10/patent_suit_all.html #15yrsago Mickey Mouse comics drawn by concentration camp prisoner https://web.archive.org/web/20091103172853/http://www.scribd.com/doc/21860527/Horst-Rosenthal-Mickey-Mouse-in-Gurs #15yrsago UK ISP TalkTalk threatens lawsuit over 3-strikes disconnection proposal https://www.theguardian.com/media/2009/oct/29/talktalk-threatens-legal-action-mandelson #15yrsago My Times editorial on British plan to cut relatives of accused infringers off from the net https://www.thetimes.com/article/denying-physics-wont-save-the-video-stars-wf52wrrs2r0 #10yrsago The rise and fall of American Hallowe’en costumes https://www.npr.org/sections/money/2014/10/27/359324848/witches-vampires-and-pirates-5-years-of-americas-most-popular-costumes #10yrsago Profile of MITSFS, MIT’s 65-year-old science fiction club https://web.archive.org/web/20141023191938/http://www.technologyreview.com/article/531401/60000-books-and-a-few-toy-bananas/ #10yrsago Malware authors use Gmail drafts as dead-drops to talk to bots https://www.wired.com/2014/10/hackers-using-gmail-drafts-update-malware-steal-data/ #10yrsago Verizon’s new big budget tech-news site prohibits reporting on NSA spying or net neutrality https://www.dailydot.com/debug/verizon-sugarstring-us-surveillance-net-neutrality/ #10yrsago Every artist’s “how I made it” talk, ever https://www.youtube.com/watch?v=l_F9jxsfGCw #10yrago The Terrible Sea Lion: a social media parable https://wondermark.com/c/1062 #10yrsago Opsec, Snowden style https://web.archive.org/web/20141028183511/https://firstlook.org/theintercept/2014/10/28/smuggling-snowden-secrets/ #5yrsago Elizabeth Warren proposes a 4-year ban on government officials going to work for “market dominant” companies https://medium.com/@teamwarren/breaking-the-political-influence-of-market-dominant-companies-8ff27e99ada0 #5yrsago Behind the scenes, “plain” text editing is unbelievably complex and weird https://lord.io/text-editing-hates-you-too/ #5yrsago Despite denials, it’s clear that Google’s new top national security hire was instrumental to Trump’s #KidsInCages policy https://www.buzzfeednews.com/article/ryanmac/miles-taylor-family-separation-dhs-despite-google-denial #5yrsago 70% of millennials would vote for a socialist https://victimsofcommunism.org/annual-poll/2019-annual-poll/ #5yrsago Davos in the Desert is back, and banks and hedge fund managers are flocking to Mister Bone-Saw’s side https://www.bbc.com/news/business-50219035 #5yrsago Podcast of Affordances: a new science fiction story that climbs the terrible technology adoption curve https://ia903108.us.archive.org/3/items/Cory_Doctorow_Podcast_314/Cory_Doctorow_Podcast_314_-Affordances.mp3 #5yrago Kindness and Wonder: Mr Rogers biography is a study in empathy and a deep, genuine love for children https://memex.craphound.com/2019/10/29/kindness-and-wonder-mr-rogers-biography-is-a-study-in-empathy-and-a-deep-genuine-love-for-children/ Upcoming appearances (permalink) TusCon (Tucson), Nov 8-10 https://tusconscificon.com/ International Cooperative Alliance (New Delhi), Nov 24 https://icanewdelhi2024.coop/welcome/pages/Programme IA et “merdification“ d’internet: peut-on envisager un nouveau web? (Remote), Dec 12 https://www.unige.ch/comprendre-le-numerique/conferences-publiques1/cycle-5-2024-2025/ia-et-merdification-dinternet-peut-envisager-un-nouveau-web/ ISSA-LA Holiday Celebration keynote (Los Angeles), Dec 18 https://issala.org/event/issa-la-december-18-dinner-meeting/ Recent appearances (permalink) Maximum Iceland Scenario – Data Caps, 3rd Party Android Stores, Nuclear Amazon (This Week in Tech) https://www.youtube.com/watch?v=P5MkCwktKz0 Speciale intervista a Cory Doctorow (Digitalia) https://digitalia.fm/744/ Was There Ever An Old, Good Internet? (David Graeber Institute) https://www.youtube.com/watch?v=T6Jlxx5TboE Latest books (permalink) The Bezzle: a sequel to "Red Team Blues," about prison-tech and other grifts, Tor Books (US), Head of Zeus (UK), February 2024 (the-bezzle.org). Signed, personalized copies at Dark Delicacies (https://www.darkdel.com/store/p3062/Available_Feb_20th%3A_The_Bezzle_HB.html#/). "The Lost Cause:" a solarpunk novel of hope in the climate emergency, Tor Books (US), Head of Zeus (UK), November 2023 (http://lost-cause.org). Signed, personalized copies at Dark Delicacies (https://www.darkdel.com/store/p3007/Pre-Order_Signed_Copies%3A_The_Lost_Cause_HB.html#/) "The Internet Con": A nonfiction book about interoperability and Big Tech (Verso) September 2023 (http://seizethemeansofcomputation.org). Signed copies at Book Soup (https://www.booksoup.com/book/9781804291245). "Red Team Blues": "A grabby, compulsive thriller that will leave you knowing more about how the world works than you did before." Tor Books http://redteamblues.com. Signed copies at Dark Delicacies (US): and Forbidden Planet (UK): https://forbiddenplanet.com/385004-red-team-blues-signed-edition-hardcover/. "Chokepoint Capitalism: How to Beat Big Tech, Tame Big Content, and Get Artists Paid, with Rebecca Giblin", on how to unrig the markets for creative labor, Beacon Press/Scribe 2022 https://chokepointcapitalism.com "Attack Surface": The third Little Brother novel, a standalone technothriller for adults. The Washington Post called it "a political cyberthriller, vigorous, bold and savvy about the limits of revolution and resistance." Order signed, personalized copies from Dark Delicacies https://www.darkdel.com/store/p1840/Available_Now%3A_Attack_Surface.html "How to Destroy Surveillance Capitalism": an anti-monopoly pamphlet analyzing the true harms of surveillance capitalism and proposing a solution. https://onezero.medium.com/how-to-destroy-surveillance-capitalism-8135e6744d59?sk=f6cd10e54e20a07d4c6d0f3ac011af6b) (signed copies: https://www.darkdel.com/store/p2024/Available_Now%3A__How_to_Destroy_Surveillance_Capitalism.html) "Little Brother/Homeland": A reissue omnibus edition with a new introduction by Edward Snowden: https://us.macmillan.com/books/9781250774583; personalized/signed copies here: https://www.darkdel.com/store/p1750/July%3A__Little_Brother_%26_Homeland.html "Poesy the Monster Slayer" a picture book about monsters, bedtime, gender, and kicking ass. Order here: https://us.macmillan.com/books/9781626723627. Get a personalized, signed copy here: https://www.darkdel.com/store/p2682/Corey_Doctorow%3A_Poesy_the_Monster_Slayer_HB.html#/. Upcoming books (permalink) Picks and Shovels: a sequel to "Red Team Blues," about the heroic era of the PC, Tor Books, February 2025 Unauthorized Bread: a middle-grades graphic novel adapted from my novella about refugees, toasters and DRM, FirstSecond, 2025 Colophon (permalink) Today's top sources: Currently writing: Enshittification: a nonfiction book about platform decay for Farrar, Straus, Giroux. Today's progress: 895 words (73067 words total). A Little Brother short story about DIY insulin PLANNING Picks and Shovels, a Martin Hench noir thriller about the heroic era of the PC. FORTHCOMING TOR BOOKS FEB 2025 Latest podcast: Spill, part four (a Little Brother story) https://craphound.com/littlebrother/2024/10/28/spill-part-four-a-little-brother-story/ This work – excluding any serialized fiction – is licensed under a Creative Commons Attribution 4.0 license. That means you can use it any way you like, including commercially, provided that you attribute it to me, Cory Doctorow, and include a link to pluralistic.net. https://creativecommons.org/licenses/by/4.0/ Quotations and images are not included in this license; they are included either under a limitation or exception to copyright, or on the basis of a separate license. Please exercise caution. How to get Pluralistic: Blog (no ads, tracking, or data-collection): Pluralistic.net Newsletter (no ads, tracking, or data-collection): https://pluralistic.net/plura-list Mastodon (no ads, tracking, or data-collection): https://mamot.fr/@pluralistic Medium (no ads, paywalled): https://doctorow.medium.com/ Twitter (mass-scale, unrestricted, third-party surveillance and advertising): https://twitter.com/doctorow Tumblr (mass-scale, unrestricted, third-party surveillance and advertising): https://mostlysignssomeportents.tumblr.com/tagged/pluralistic "When life gives you SARS, you make sarsaparilla" -Joey "Accordion Guy" DeVilla
pluralistic.net
October 29, 2024 at 7:20 PM
Reposted by Albert Putnam
Pluralistic: Shifting $677m from the banks to the people, every year, forever (01 Nov 2024)
Today's links Shifting $677m from the banks to the people, every year, forever: The Consumer Finance Protection Bureau is going to let you change banks with a click. Hey look at this: Delights to delectate. This day in history: 2004, 2009, 2014, 2019, 2023 Upcoming appearances: Where to find me. Recent appearances: Where I've been. Latest books: You keep readin' em, I'll keep writin' 'em. Upcoming books: Like I said, I'll keep writin' 'em. Colophon: All the rest. Shifting $677m from the banks to the people, every year, forever (permalink) "Switching costs" are one of the great underappreciated evils in our world: the more it costs you to change from one product or service to another, the worse the vendor, provider, or service you're using today can treat you without risking your business. Businesses set out to keep switching costs as high as possible. Literally. Mark Zuckerberg's capos send him memos chortling about how Facebook's new photos feature will punish anyone who leaves for a rival service with the loss of all their family photos – meaning Zuck can torment those users for profit and they'll still stick around so long as the abuse is less bad than the loss of all their cherished memories: https://www.eff.org/deeplinks/2021/08/facebooks-secret-war-switching-costs It's often hard to quantify switching costs. We can tell when they're high, say, if your landlord ties your internet service to your lease (splitting the profits with a shitty ISP that overcharges and underdelivers), the switching cost of getting a new internet provider is the cost of moving house. We can tell when they're low, too: you can switch from one podcatcher program to another just by exporting your list of subscriptions from the old one and importing it into the new one: https://pluralistic.net/2024/10/16/keep-it-really-simple-stupid/#read-receipts-are-you-kidding-me-seriously-fuck-that-noise But sometimes, economists can get a rough idea of the dollar value of high switching costs. For example, a group of economists working for the Consumer Finance Protection Bureau calculated that the hassle of changing banks is costing Americans at least $677m per year (see page 526): https://files.consumerfinance.gov/f/documents/cfpb_personal-financial-data-rights-final-rule_2024-10.pdf The CFPB economists used a very conservative methodology, so the number is likely higher, but let's stick with that figure for now. The switching costs of changing banks – determining which bank has the best deal for you, then transfering over your account histories, cards, payees, and automated bill payments – are costing everyday Americans more than half a billion dollars, every year. Now, the CFPB wasn't gathering this data just to make you mad. They wanted to do something about all this money – to find a way to lower switching costs, and, in so doing, transfer all that money from bank shareholders and executives to the American public. And that's just what they did. A newly finalized Personal Financial Data Rights rule will allow you to authorize third parties – other banks, comparison shopping sites, brokers, anyone who offers you a better deal, or help you find one – to request your account data from your bank. Your bank will be required to provide that data. I loved this rule when they first proposed it: https://pluralistic.net/2024/06/10/getting-things-done/#deliverism And I like the final rule even better. They've really nailed this one, even down to the fine-grained details where interop wonks like me get very deep into the weeds. For example, a thorny problem with interop rules like this one is "who gets to decide how the interoperability works?" Where will the data-formats come from? How will we know they're fit for purpose? This is a super-hard problem. If we put the monopolies whose power we're trying to undermine in charge of this, they can easily cheat by delivering data in uselessly obfuscated formats. For example, when I used California's privacy law to force Mailchimp to provide list of all the mailing lists I've been signed up for without my permission, they sent me thousands of folders containing more than 5,900 spreadsheets listing their internal serial numbers for the lists I'm on, with no way to find out what these lists are called or how to get off of them: https://pluralistic.net/2024/07/22/degoogled/#kafka-as-a-service So if we're not going to let the companies decide on data formats, who should be in charge of this? One possibility is to require the use of a standard, but again, which standard? We can ask a standards body to make a new standard, which they're often very good at, but not when the stakes are high like this. Standards bodies are very weak institutions that large companies are very good at capturing: https://pluralistic.net/2023/04/30/weak-institutions/ Here's how the CFPB solved this: they listed out the characteristics of a good standards body, listed out the data types that the standard would have to encompass, and then told banks that so long as they used a standard from a good standards body that covered all the data-types, they'd be in the clear. Once the rule is in effect, you'll be able to go to a comparison shopping site and authorize it to go to your bank for your transaction history, and then tell you which bank – out of all the banks in America – will pay you the most for your deposits and charge you the least for your debts. Then, after you open a new account, you can authorize the new bank to go back to your old bank and get all your data: payees, scheduled payments, payment history, all of it. Switching banks will be as easy as switching mobile phone carriers – just a few clicks and a few minutes' work to get your old number working on a phone with a new provider. This will save Americans at least $677 million, every year. Which is to say, it will cost the banks at least $670 million every year. Naturally, America's largest banks are suing to block the rule: https://www.americanbanker.com/news/cfpbs-open-banking-rule-faces-suit-from-bank-policy-institute Of course, the banks claim that they're only suing to protect you, and the $677m annual transfer from their investors to the public has nothing to do with it. The banks claim to be worried about bank-fraud, which is a real thing that we should be worried about. They say that an interoperability rule could make it easier for scammers to get at your data and even transfer your account to a sleazy fly-by-night operation without your consent. This is also true! It is obviously true that a bad interop rule would be bad. But it doesn't follow that every interop rule is bad, or that it's impossible to make a good one. The CFPB has made a very good one. For starters, you can't just authorize anyone to get your data. Eligible third parties have to meet stringent criteria and vetting. These third parties are only allowed to ask for the narrowest slice of your data needed to perform the task you've set for them. They aren't allowed to use that data for anything else, and as soon as they've finished, they must delete your data. You can also revoke their access to your data at any time, for any reason, with one click – none of this "call a customer service rep and wait on hold" nonsense. What's more, if your bank has any doubts about a request for your data, they are empowered to (temporarily) refuse to provide it, until they confirm with you that everything is on the up-and-up. I wrote about the lawsuit this week for EFF's Deeplinks blog: https://www.eff.org/deeplinks/2024/10/no-matter-what-bank-says-its-your-money-your-data-and-your-choice In that article, I point out the tedious, obvious ruses of securitywashing and privacywashing, where a company insists that its most abusive, exploitative, invasive conduct can't be challenged because that would expose their customers to security and privacy risks. This is such bullshit. It's bullshit when printer companies say they can't let you use third party ink – for your own good: https://arstechnica.com/gadgets/2024/01/hp-ceo-blocking-third-party-ink-from-printers-fights-viruses/ It's bullshit when car companies say they can't let you use third party mechanics – for your own good: https://pluralistic.net/2020/09/03/rip-david-graeber/#rolling-surveillance-platforms It's bullshit when Apple says they can't let you use third party app stores – for your own good: https://www.eff.org/document/letter-bruce-schneier-senate-judiciary-regarding-app-store-security It's bullshit when Facebook says you can't independently monitor the paid disinformation in your feed – for your own good: https://pluralistic.net/2021/08/05/comprehensive-sex-ed/#quis-custodiet-ipsos-zuck And it's bullshit when the banks say you can't change to a bank that charges you less, and pays you more – for your own good. CFPB boss Rohit Chopra is part of a cohort of Biden enforcers who've hit upon a devastatingly effective tactic for fighting corporate power: they read the law and found out what they're allowed to do, and then did it: https://pluralistic.net/2023/10/23/getting-stuff-done/#praxis The CFPB was created in 2010 with the passage of the Consumer Financial Protection Act, which specifically empowers the CFPB to make this kind of data-sharing rule. Back when the CFPA was in Congress, the banks howled about this rule, whining that they were being forced to share their data with their competitors. But your account data isn't your bank's data. It's your data. And the CFPB is gonna let you have it, and they're gonna save you and your fellow Americans at least $677m/year – forever. Hey look at this (permalink) Uncovered: Big Tech’s network sabotaging the DMA https://corporateeurope.org/en/2024/10/uncovered-big-techs-network-sabotaging-dma Court Orders Google (a Monopolist) To Knock It Off With the Monopoly Stuff https://www.eff.org/deeplinks/2024/10/court-orders-google-monopolist-knock-it-monopoly-stuff A complete guide to luddite horror films https://www.bloodinthemachine.com/p/a-complete-guide-to-luddite-horror This day in history (permalink) #20yrsago Bhutan: World’s biggest book https://kottke.org/04/10/bhutan-book #20yrsago Audio/transcript from BBC Creative Archive talk https://web.archive.org/web/20060306155902/http://digital-lifestyles.info/media/audio/2004.10.28-BBC-Creative-Archive-Q&A.mp3 #15yrsago Heavy illegal downloaders buy more music https://www.independent.co.uk/news/uk/crime/illegal-downloaders-spend-the-most-on-music-says-poll-1812776.html #15yrsago Scenting the Dark: outstanding debut short story collection from Mary Robinette Kowal, exploring our relationship to technology and each other https://memex.craphound.com/2009/11/01/scenting-the-dark-outstanding-debut-short-story-collection-from-mary-robinette-kowal-exploring-our-relationship-to-technology-and-each-other/ #15yrsago Anti-vaccine fear versus science https://web.archive.org/web/20091022235649/https://www.wired.com/magazine/2009/10/ff_waronscience/all/1 #10yrsago Sen Lindsay Graham promises a fine future for “white men in male-only clubs” https://www.politico.com/story/2014/10/sen-lindsey-graham-white-men-joke-112338 #10yrsago Hungary cancels proposed Internet tax in the face of mass opposition https://www.bbc.com/news/world-europe-29846285 #10yrsago David Graeber and Thomas Piketty on whether capitalism will destroy itself https://thebaffler.com/odds-and-ends/soak-the-rich #10yrsago USPS usage declines, but sloppy postal surveillance is way, way up https://www.politico.com/story/2014/06/snail-mail-snooping-safeguards-not-followed-108056 #10yrsago Surveillance and stalkers: how the Internet supercharges gendered violence https://www.forbes.com/sites/sarahjeong/2014/10/28/surveillance-begins-at-home/ #10yrsago Secret recording of corporate lobbyist is a dirty-tricks playbook https://www.nytimes.com/2014/10/31/us/politics/pr-executives-western-energy-alliance-speech-taped.html #10yrsago NZ Trade Minister: we keep TPP a secret to prevent “public debate” https://www.techdirt.com/2014/10/31/new-zealands-trade-minister-admits-they-keep-tpp-documents-secret-to-avoid-public-debate/ #5yrsago Blizzard’s corporate president publicly apologizes for bungling players’ Hong Kong protests, never mentions Hong Kong https://www.theverge.com/2019/11/1/20944022/blizzard-blizzcon-hearthstone-china-hong-kong-response-j-allen-brack #5yrsago My review of Sandworm: an essential guide to the new, reckless world of “cyberwarfare” https://www.latimes.com/entertainment-arts/books/story/2019-11-01/sandworm-andy-greenberg-cybersecurity #5yrsago Report from a massive Chinese surveillance tech expo, where junk-science “emotion recognition” rules https://twitter.com/suelinwong/status/1190194625572569093 #5yrsago Toronto approves Google’s surveillance city, despite leaks revealing Orwellian plans https://www.cbc.ca/news/canada/toronto/sidewalk-labs-waterfront-toronto-quayside-vote-1.5342294 #5yrsago Chicago teachers declare victory after 11-day strike https://www.usatoday.com/story/news/nation/2019/10/31/chicago-teachers-strike-union-tentative-agreement-makeup-days/4106271002/ #5yrsago Airbnb’s easily gamed reputation system and poor customer service allow scammers to thrive https://www.vice.com/en/article/nationwide-fake-host-scam-on-airbnb/ #5yrsago Suppressed internal emails reveal that the IRS actively helped tax-prep giants suppress Free File https://www.propublica.org/article/the-irs-tried-to-hide-emails-that-show-tax-industry-influence-over-free-file-program #5yrsago Massive spike in young people registering to vote in the UK https://memex.craphound.com/2019/11/01/massive-spike-in-young-people-registering-to-vote-in-the-uk/ #5yrsago How the British left should seize this moment to strip finance of its political clout https://www.opendemocracy.net/en/oureconomy/thatcher-had-a-battle-plan-for-her-economic-revolution-now-the-left-needs-one-too/ #5yrsago After suing NSO Group for hacking Whatsapp, Facebook kicks NSO employees off its services https://arstechnica.com/information-technology/2019/10/facebook-permanently-deletes-the-accounts-of-nso-workers/ #5yrsago The right is bankrolled by self-interested one-percenters making long-term investments; the left, by one-percenters with “moral whims” https://nymag.com/intelligencer/2019/10/how-did-democrats-lose-the-states-money-money-money.html #5yrsago Leaked document reveals that Sidewalk Labs’ Toronto plans for private taxation, private roads, charter schools, corporate cops and judges, and punishment for people who choose privacy https://www.theglobeandmail.com/business/article-sidewalk-labs-document-reveals-companys-early-plans-for-data/ #1yrago The impoverished imagination of neoliberal climate "solutions" https://pluralistic.net/2023/10/31/carbon-upsets/#big-tradeoff #1yrsago Social Security is class war, not intergenerational conflict https://pluralistic.net/2023/11/01/intergenerational-warfare/#five-pound-blocks-of-cheese Upcoming appearances (permalink) TusCon (Tucson), Nov 8-10 https://tusconscificon.com/ International Cooperative Alliance (New Delhi), Nov 24 https://icanewdelhi2024.coop/welcome/pages/Programme ACM Conext-2024 Workshop on the Decentralization of the Internet (Los Angeles), Dec 9 https://conferences.sigcomm.org/co-next/2024/#!/din IA et “merdification“ d’internet: peut-on envisager un nouveau web? (Remote), Dec 12 https://www.unige.ch/comprendre-le-numerique/conferences-publiques1/cycle-5-2024-2025/ia-et-merdification-dinternet-peut-envisager-un-nouveau-web/ ISSA-LA Holiday Celebration keynote (Los Angeles), Dec 18 https://issala.org/event/issa-la-december-18-dinner-meeting/ Cloudfest (Europa Park), Mar 17-20 https://cloudfest.link/ Recent appearances (permalink) Enshittification Was a Choice (SOSS Fusion) https://www.youtube.com/watch?v=KCSelmMUO0c Maximum Iceland Scenario – Data Caps, 3rd Party Android Stores, Nuclear Amazon (This Week in Tech) https://www.youtube.com/watch?v=P5MkCwktKz0 Speciale intervista a Cory Doctorow (Digitalia) https://digitalia.fm/744/ Latest books (permalink) The Bezzle: a sequel to "Red Team Blues," about prison-tech and other grifts, Tor Books (US), Head of Zeus (UK), February 2024 (the-bezzle.org). Signed, personalized copies at Dark Delicacies (https://www.darkdel.com/store/p3062/Available_Feb_20th%3A_The_Bezzle_HB.html#/). "The Lost Cause:" a solarpunk novel of hope in the climate emergency, Tor Books (US), Head of Zeus (UK), November 2023 (http://lost-cause.org). Signed, personalized copies at Dark Delicacies (https://www.darkdel.com/store/p3007/Pre-Order_Signed_Copies%3A_The_Lost_Cause_HB.html#/) "The Internet Con": A nonfiction book about interoperability and Big Tech (Verso) September 2023 (http://seizethemeansofcomputation.org). Signed copies at Book Soup (https://www.booksoup.com/book/9781804291245). "Red Team Blues": "A grabby, compulsive thriller that will leave you knowing more about how the world works than you did before." Tor Books http://redteamblues.com. Signed copies at Dark Delicacies (US): and Forbidden Planet (UK): https://forbiddenplanet.com/385004-red-team-blues-signed-edition-hardcover/. "Chokepoint Capitalism: How to Beat Big Tech, Tame Big Content, and Get Artists Paid, with Rebecca Giblin", on how to unrig the markets for creative labor, Beacon Press/Scribe 2022 https://chokepointcapitalism.com "Attack Surface": The third Little Brother novel, a standalone technothriller for adults. The Washington Post called it "a political cyberthriller, vigorous, bold and savvy about the limits of revolution and resistance." Order signed, personalized copies from Dark Delicacies https://www.darkdel.com/store/p1840/Available_Now%3A_Attack_Surface.html "How to Destroy Surveillance Capitalism": an anti-monopoly pamphlet analyzing the true harms of surveillance capitalism and proposing a solution. https://onezero.medium.com/how-to-destroy-surveillance-capitalism-8135e6744d59?sk=f6cd10e54e20a07d4c6d0f3ac011af6b) (signed copies: https://www.darkdel.com/store/p2024/Available_Now%3A__How_to_Destroy_Surveillance_Capitalism.html) "Little Brother/Homeland": A reissue omnibus edition with a new introduction by Edward Snowden: https://us.macmillan.com/books/9781250774583; personalized/signed copies here: https://www.darkdel.com/store/p1750/July%3A__Little_Brother_%26_Homeland.html "Poesy the Monster Slayer" a picture book about monsters, bedtime, gender, and kicking ass. Order here: https://us.macmillan.com/books/9781626723627. Get a personalized, signed copy here: https://www.darkdel.com/store/p2682/Corey_Doctorow%3A_Poesy_the_Monster_Slayer_HB.html#/. Upcoming books (permalink) Picks and Shovels: a sequel to "Red Team Blues," about the heroic era of the PC, Tor Books, February 2025 Unauthorized Bread: a middle-grades graphic novel adapted from my novella about refugees, toasters and DRM, FirstSecond, 2025 Colophon (permalink) Today's top sources: Currently writing: Enshittification: a nonfiction book about platform decay for Farrar, Straus, Giroux. Today's progress: 806 words (75407 words total). A Little Brother short story about DIY insulin PLANNING Picks and Shovels, a Martin Hench noir thriller about the heroic era of the PC. FORTHCOMING TOR BOOKS FEB 2025 Latest podcast: Spill, part four (a Little Brother story) https://craphound.com/littlebrother/2024/10/28/spill-part-four-a-little-brother-story/ This work – excluding any serialized fiction – is licensed under a Creative Commons Attribution 4.0 license. That means you can use it any way you like, including commercially, provided that you attribute it to me, Cory Doctorow, and include a link to pluralistic.net. https://creativecommons.org/licenses/by/4.0/ Quotations and images are not included in this license; they are included either under a limitation or exception to copyright, or on the basis of a separate license. Please exercise caution. How to get Pluralistic: Blog (no ads, tracking, or data-collection): Pluralistic.net Newsletter (no ads, tracking, or data-collection): https://pluralistic.net/plura-list Mastodon (no ads, tracking, or data-collection): https://mamot.fr/@pluralistic Medium (no ads, paywalled): https://doctorow.medium.com/ Twitter (mass-scale, unrestricted, third-party surveillance and advertising): https://twitter.com/doctorow Tumblr (mass-scale, unrestricted, third-party surveillance and advertising): https://mostlysignssomeportents.tumblr.com/tagged/pluralistic "When life gives you SARS, you make sarsaparilla" -Joey "Accordion Guy" DeVilla
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November 1, 2024 at 7:53 PM
Reposted by Albert Putnam
Have you heard The Good News? Have you heard about Bluesky?
November 13, 2024 at 6:17 PM
Reposted by Albert Putnam
I’m enjoying Bluesky, but I’m finding it *much* harder to tag accounts than on other platforms. (Is it just me?) Like if I want to tag Widgetly College, I have to google “Does Widgetly College have a Bluesky account” etc.)
November 12, 2024 at 4:37 PM
Reposted by Albert Putnam

Have you ever noticed that, at certain times of the year, the moon seems peculiarly low in the sky? In this video I explain the science behind that -- and I've tossed in a little Astronomy 101 lesson along the way. Enjoy! :) #astronomy
www.youtube.com/watch?v=UlWi... www.youtube.com/watch?v=UlWi...
Why is the moon so low -- especially in the fall?
YouTube video by danfalkscience
www.youtube.com
November 1, 2024 at 3:20 PM
Reposted by Albert Putnam
Yay! NASA are back in contact with the space probe after someone fatfingered a command.
Look, I’m not judging. We have all been there.
#science #astronomy

https://www.bbc.co.uk/news/science-environment-66408851
Voyager 2: Nasa fully back in contact with lost space probe
Voyager 2 has restored its communication with Earth months earlier than expected.
www.bbc.co.uk
August 5, 2023 at 6:01 AM