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PE Chemical - Failed 2nd Attempt even with PPI review course

2023.05.31 23:19 Standard-Sentence835 PE Chemical - Failed 2nd Attempt even with PPI review course

PE Chemical - Failed 2nd Attempt even with PPI review course
Hi All,
I took the PE chemical for a second time last week (last time I took it was 2 years ago after doing school of PE course). I felt much better about the exam compared to the first time but I still did not pass! The first time I took school of PE and did not pass. This time I took PPI course, did WAY more problems and 2 practice tests and somehow managed to not pass. I am an environmental engineer in the state of California so unfortunately my only two options are to go civil or chemical. I feel like chemical is more related to what I do as an air quality engineer and civil has 3 tests (seismic and surveying) instead of just one test.
Has anyone in CA tried to pass an out of state environmental exam and ask for letters of rec to get it recognized in California? I have a friend who lives in NY, passed environmental, and then transferred her license to chemical engineer in CA (in case her and her husband end up moving out here). She actually resided in NY so it seems to make more sense that route rather than taking an out of state exam and trying to get it recognized as chemical in CA.
Is there anyone out there that is a non-chemical engineer that has had success passing the chemical? The PPI course was really good prep with lots of questions but at the end of the day, the questions on the exam are a total toss up and maybe only 30-40% similar to the practice exam.
I am tempted to take it a 3rd time while it is still fresh in my head but I am not sure I can mentally endure a 3rd fail. Anyone have any tips????
Also, does anyone know how to interpret the diagnostic? Like how many more problems I needed to get right?
https://preview.redd.it/ge1xftlvy93b1.png?width=1116&format=png&auto=webp&s=c0903d19ce1155cc7ebc852858408ffd862332e9
Thanks!
Mel
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2023.05.31 23:01 khoafraelich789 Peugeot 408 (2023-): First drive review

Peugeot 408 (2023-): First drive review
Does the 408 have the substance to compete with more conventional family cars, or is it a niche too far?

https://preview.redd.it/4b08pp45xq1b1.png?width=900&format=png&auto=webp&s=29ac7f74ee2b20f900af165ee024c680a17f73e3
The 408 is a large ‘fastback’ that claims to combine the practicality of an estate, the style of a coupe and the high driving position of an SUV. We’ve taken it on a first drive, ahead of our full, lab-tested review.

Note that this review is based on our initial drive of the Peugeot 408. Our full review and verdict (complete with the car's overall score, plus scores for safety, reliability and more) will be available to Which? members once all our extensive lab and road tests are complete.

Peugeot 408 overview
The Peugeot 408 is a five-seat family car that combines the raised driving position (but not the four-wheel drive) of an SUV with the styling of a four-door coupe. It sits above the 308 hatchback and below the 508 saloon in the Peugeot model range and shares interior design elements, including a uniquely small steering wheel, with these cars.

One petrol engine is available at launch, a 1.2-litre three-cylinder unit that produces 131hp. This is joined by two PHEV versions (the focus of this review), which both use a 1.6 litre, four-cylinder petrol engine and an electric motor to produce 180hp and 225hp, respectively. Both versions have a claimed EV driving range of 39 miles.

All versions of 408 are front-wheel drive and use an eight-speed automatic gearbox.

Peugeot currently offers three trim levels of 408 in the UK: Allure, Allure Premium and GT. Entry-level Allure versions feature cruise control, a 10-inch infotainment touchscreen and a reversing camera with rear parking sensors.

The mid-range Allure Premium model adds keyless entry, front parking sensors and adaptive cruise control, as well as blind spot monitoring. Top-end GT cars get adaptive ‘Matrix’ LED headlights, electric tailgate, heated steering wheel, automatic lane guidance and a unique Alcantara interior trim.

‘First Edition’ models were only available to order at the model’s launch, and were the most lavishly equipped, featuring 20-inch alloy wheels, a faster 7.4kW charging system (all First Edition models are 225hp PHEVs) and electrically adjustable front seats as standard.

What’s it like to drive?
We’ve driven the PHEV in its most powerful 225hp guise. Thanks to the generous amount of power available, this 408 accelerates quickly and evenly, and it fails to let up even at motorway speeds, although there is a slight delay after depressing the accelerator under harder acceleration, as the petrol engine comes into life and the power from both sources is transmitted to the front wheels.

Engine noise is kept in check well, though, and road noise is also minimal. There is some wind noise at high speeds, although it’s not so intrusive as to cause fatigue.

Thanks to a comfortable suspension system, bumps barely register in the cabin which helps to make the 408 an excellent long-distance cruiser, despite its very large 20-inch wheels. The low-speed ride quality is also very good although there is noticeably more fidget over bumps and potholes.

The eight-speed automatic gearbox that all 408 models are fitted with is slick and unobtrusive, to the point where you’ll barely notice its operation. It’s broad range of gears also helps to keep engine revs (and subsequent noise) to a minimum.

Even though the 408 isn’t the smallest or lightest family car, it corners very well, with limited amounts of body roll. Precise and direct steering helps to instil confidence in the driver, although it can feel slightly too responsive when driving in urban areas. The brakes are sharp and reassuring, too.

Unlike many manufacturers, Peugeot has left some physical climate control buttons in the cabin (for the heated windscreen and fan speed), although a heater temperature dial and volume knob are both absent. You’ll have to use the touchscreen itself to alter these and other climate control settings.

The quality of materials in the front of the cabin is mixed, with lots of harder plastics scattered through the dashboard, although many of these are of a high quality and feel better than they look.

The 10-inch infotainment touchscreen is located centrally in the cabin but is quite low down, making it hard to use when driving. That said, it is very responsive to inputs and has high-quality graphics that are easy to read. There are also six shortcut touchpads underneath it that help to navigate through the screen functions, making it slightly easier to use than some rival touchscreen systems.

An accompanying 10-inch digital instrument cluster is standard on all 408 models, with our test car also featuring 3D graphics that are very striking to look at, but the sheer amount of information on display can be difficult to read at a glance.

How reliable is the Peugeot 408?
We haven’t received enough information about the Peugeot 408 to assess its reliability. However, we have heard from enough Peugeot owners to rate the dependability of the brand as a whole. To find out more, head to our guide on the most reliable car brands.

How comfortable and spacious is it?
Getting in and out of the 408 is easy due to the slightly raised ride height that comes with the pseudo-SUV styling, and its usefully large door apertures. It's slightly more difficult in the rear: while the doors are also quite large, it’s harder to get into the back seats due to rear wheel-arches that reduce the available space, as well as a small footwell.

The front cabin is very spacious, with lots of head and legroom for even the tallest drivers. Cabin width is also very good and contributes to the overall feeling of space. The electrically adjustable seats of our test car are easy to set into a comfortable driving position.

Headroom in the outer rear seats is decent, although tall passengers will have their heads very close to the roof. Overall rear legroom is poor with the front seats set for six-footers, and there isn’t enough headroom for tall passengers to sit in the rear centre seat.

Peugeot claims that the PHEV we drove has 471 litres of boot space with the rear seats in use and 1,545 when they are folded away. Petrol-only versions have between 536 and 1,611 litres of space – both figures not to be sniffed at. We’ll confirm just how much usable boot space there really is once we’ve lab tested the 408.

There’s only a small lip between the boot floor and the rear bumper which helps when loading large and heavy items, with the wide boot aperture makes the space very easy to access. A small storage compartment under the boot floor has enough space to carry the charging cable, although the floor itself isn’t height adjustable. The rear seat backs only fold in a 60/40 configuration and don’t fold completely flat but are at least easy to operate.

How economical is it to run?
We can’t give a definitive figure on how much fuel the 408 consumes until we subject it to our full lab tests. Peugeot says that the 225hp PHEV we drove has a claimed fuel economy of 211.3-269.5mpg.

The less powerful 180 PHEV is claimed to be the most economical choice of the range, with claimed figures of 214.7-270.3mpg. As with all PHEVs, these figures are only feasible if you do most of your driving on battery power.

Both PHEVs have 12.4kW batteries that, according to Peugeot, are good for up to 40 miles of EV driving and can be charged in under 3.5 hours using the standard 3.7kW charging system at a 7.4kW wallbox. Charging from a three-pin socket should take 5.5 hours.

The 1.2 litre petrol has an official claimed average fuel economy figure of 41-48.1mpg.

How safe is the Peugeot 408?
Euro NCAP gave a four-star safety rating to the Peugeot 408 when crash tested in 2022, which is reasonable for a new car. Their chief concern was that its safety tests found the car’s autonomous emergency braking system (AEB) was slow to respond when detecting slow moving and stationary vehicles.

Plenty of safety kit, such as traffic sign recognition and lane assistance systems, is standard through the 408 range. Blind spot detection and rear cross traffic alert systems are standard on Allure Premium, GT and First Edition versions of the 408.

Peugeot 408: Which? first drive verdict

Price: from £31,050 (PHEV from £39,900)
Pros: Comfortable ride, large boot, quiet cabin
Cons: Limited rear headroom, mixed interior material quality

The 408 PHEV covers a lot of bases effectively and holds plenty of appeal - as long as you don’t regularly carry tall passengers in the rear. The fuel economy benefits of the PHEV model will also depend on your specific driving habits – the lower powered petrol version may suit your needs better.

Source: which co
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2023.05.31 23:00 Spacebunz_420 potential compromise

hey all! 25F PC here again with a potential compromise:
abortion laws could be applied on an individual basis instead of state by state.
what if you had to register as PC/PL on your government ID or drivers license (like you do for being on organ donor) at age 16? abortion would be legal for PCs and illegal for PLs
you can update/ change your status at the BMV at any time as long as you’re not pregnant at the time of changing. so you just have to take a pregnancy test at the BMV when you first get your ID and any time you want to change your PC/PL registration status.
then, it would be legal for licensed abortion providers to perform abortions ONLY on individuals who present proof of PC registration (show government ID).
it would be illegal for anybody to perform an abortion on any person who presents a PL ID or any person who is unable to present proof of PC registration status prior to the procedure.
thoughts from both sides?? perhaps PL’s could also register with exceptions depending on what exceptions they are okay with??
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2023.05.31 22:56 broken_bowl_ What does blinking yellow mean?

Am I the only one who notices all these blinking yellow traffic lights? Like what does it even mean? Sorry it has been a while since I took a dmv written test. And I got my license back in the 90’s. I noticed it started in the suburbs like Pasadena and Glendale and now it is spreading into LA proper. What am I supposed to do when the traffic light is blinking yellow???? I know it is not a stop sign because it would have been a blinking red. So, am I supposed to be cautious? Which I am already anyway. So, why what am I supposed to do?
/rant
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2023.05.31 22:55 Competitive-Set-8389 Learner’s permit expired after a year

A year ago today, I took a trip to the DMV to obtain my learner’s permit. Knowing that they last a whole year (in the state of CA at least), I felt that it would be a long enough of a time span for me to overcome my driving anxiety and obtain my driver’s license.
Here we are a year later, and I took a few months off of driving not only due to anxiety, but because of a heavy schedule of school and work. Even with my busy-ish schedule, I still feel as if I was making silly excuses for myself to get out of driving practice and I could have squeezed in driving time if I truly wanted to.
I feel sort of embarrassed that I could not build up the courage to practice driving and take my behind the wheel test within a whole year. This June, I’m setting a goal to re-obtain my learner’s permit and get back on the road to practice. I am also making it a goal of mine to take my behind the wheel test before school starts again (late August) since I have more time on my hands. I’m hoping that I will have more self-discipline and hold myself accountable in actually practicing daily.
I’m hoping that my second attempt of my driving journey goes well. Wish me luck :)
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2023.05.31 22:37 Infamous-Session5133 First time driving alone, 3.5 hours?

I've always been a very anxious driver and I haven't had consistent access to a car, so I only just got my driver's license (perfect test, but also my 4th test) after driving inconsistently with a permit for five years.
I'm moving to an area where I will need a car to get around, so I'm trying to buy a used car. The exact car I want, at a great price, is... a 3.5 hour drive away.
My boyfriend wants to go with me (in his car) on Saturday to check it out, but I'm worried what to do if I buy the car. If I try to drive it home, it'll be my first time driving alone, my first time driving for longer than an hour, and also probably my first time on the interstate (I've driven on highways but it's been a while with the inconsistent car access).
The drive is a 3.5 hour straight shot on one highway across the state (I-76 in PA if anyone is local). I've paid close attention to the highway in the passenger seat lately since I've known this might be a possibility, and it seems like, other than merging on and off and constantly maintaining focus, it seems like a fairly safe and easy place to drive.
I think with a bit of a pep talk and regular breaks I could probably handle the trip home. My parents say I can't possibly do it and that I should leave it there and have them come and pick it up and drive it home (which I absolutely do not want them to do), or else ship it. Which I could do, but will be a bit of a pain to arrange. It would probably be with a 3rd party, since this is a small used car lot that probably doesn't ship themselves, especially not shipping a <$10k car 230 miles. It would feel a little silly to ship a car that distance, but I would feel comfortable paying for it if that seems like the best option and if arranging it isn't too difficult.
I have no idea what to do.
Do I go forth and try to drive it home? How hard would that drive really be? I was feeling nervous but okay about the possibility of doing it before being told I absolutely couldn't do it. I do think there is a fair point there about lack of experience. But on the other hand, I do have a license and have driven for years and the only way to get the experience is to do it.
Edit: Alternatively, how complicated or realistic is it to get a 3rd party to ship a car just 230 miles? I'd feel embarrassed trying to explain it to the dealership, but if that was the hardest part I'd be okay doing it.
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2023.05.31 22:35 thatnurse1 recent picture: just how recent?

hi! so sorry if this isn’t the right place for this question, but i was wondering if anyone had any experience with their ID (driver’s license) looking different than what they looked like when they took their test and if this was an issue. i have realized that in my driver’s license photo, i am wearing glasses which i no longer wear and my face is now thinner. i mean i think i can tell it’s the same person - but i don’t know if someone else could type of thing?
does anyone have experience with this? i test next week, so getting another ID is not an option. moving my date is also really not an option either. for additional context, my license is only 5 years old and is not expired. the only thing i am concerned about is the picture, because it says “recent” photo on the website, yet doesn’t explain how recent.
thank you for any and all guidance! :)
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2023.05.31 22:07 VindictiveVancomycin How to obtain coverage for my new vehicle when I’ll be moving out of state in two weeks (questions re rules associated with change of address and vehicle registration)

I just graduated, will be moving out of state for my first full-time job, and recently purchased a brand new midsize vehicle to provide more reliability since I will no longer have family near by.
After purchasing this vehicle, I realized I was totally in over my head, and I’d desperately appreciate some guidance…
I suppose I could purchase one month’s worth of car insurance associated with my parents address in my current state (AKA the permanent address I’ve used while in school), but I want to bundle my car insurance with renters insurance for my new apartment in the state I’ll be moving to, and ideally, I’d have renters insurance in place for the first day of my lease. It’s very confusing because I’ll need to get a new drivers license before transferring the registration of my vehicle, but that requires me to provide a utility bill addressed to my new apartment…. but I want renters insurance in place before I move… which I think requires a new drivers license and transferred registration to be 100% on the up and up, and these timelines/steps aren’t aligning in a clear, linear path.
THANK YOU in advance for any advice/explanations!
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2023.05.31 21:59 VindictiveVancomycin Address / State Registration - PLEASE help!

I just graduated, will be moving out of state for my first full-time job, and recently purchased a brand new midsize vehicle to provide more reliability since I will no longer have family near by.
After purchasing this vehicle, I realized I was totally in over my head, and I’d desperately appreciate some guidance…
I suppose I could purchase one month’s worth of car insurance associated with my parents address in my current state (AKA the permanent address I’ve used while in school), but I want to bundle my car insurance with renters insurance for my new apartment in the state I’ll be moving to, and ideally, I’d have renters insurance in place for the first day of my lease. It’s very confusing because I’ll need to get a new drivers license before transferring the registration of my vehicle, but that requires me to provide a utility bill addressed to my new apartment…. but I want renters insurance in place before I move… which I think requires a new drivers license and transferred registration to be 100% on the up and up, and these timelines/steps aren’t aligning in a clear, linear path.
THANK YOU in advance for any advice/explanations!
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2023.05.31 21:49 Anxious-Gear7929 Resume review

Resume review
This is my resume. I've been applying and got rejections so far. Are there some corrections I should apply?
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2023.05.31 21:06 otterlyamazing11 Someone make me feel better about being 28, still living at home and not having my drivers license.

I am 28F and still live at home, no drivers license or even permit and no car. I work a full time job but either my mom or my dad (both retired) take me to work everyday and I can walk home if I need to. I feel like a HUGE loser. I feel like a child. I don’t have the money to get my own place because I have student loans I’m paying off on top of other bills. I’m in a relationship and I always feel self conscious because of all my flaws that I am too childish. It’s eating me alive honestly. I have bad severe anxiety about driving and even scheduling the permit test trying to work around schedules and such to go take it is even a lot to handle. I want to do it soon for the sake of my life and relationship but I just feel like an absolute loser.
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2023.05.31 21:02 Trash_Tia My friends participated in a “special screening” for a well known game which has been almost ten years in the making. I don’t recognize the people who came back

Three days ago, my housemates were alive.
And I wasn't losing my fucking mind.
Three days ago, I awoke to my housemate, Misty, shaking me.
“Get up!!”
Misty was usually the last to roll out of bed out of all of us, so I figured it was something important. My housemate wouldn’t get out of bed for nothing. She valued her sleep—often comparing her bed to a safe haven. Her place of solitude. I was right there with her, until she startled me out of slumber. I opened my eyes to find her face roughly three inches from mine, her expression lit up with excitement I couldn’t justify this early in the morning.
She smelled of toothpaste breath and her raspberry scented body wash. Her thick black curls framing her face were still damp from what I presumed was a shower, hanging in tangled knots in front of wide, almost unseeing eyes. When I first met her, Misty Kang had been my crush for a while. With a Korean father and a Texan mother, she definitely caught eyes when we hung out. We had a thing in freshman year, which quickly fizzled out once we started living together. Never date your housemates.
I will just say that.
Over the last few years, Misty has become one of my closest friends.
When she knew I was at least conscious, my housemate was grabbing my arm and yanking me out of bed. “Get up!”
I was barely awake, and those were the only words I could fully distinguish.
I shooed her away for a moment and swung my legs out of bed, taking a minute to blink sunlight out of my eyes coming through the blinds. “Sam.” Misty was in front of me again.
I don’t think she understood the concept of being half asleep.
She wouldn’t leave me alone, waving her arms wildly. Her shadow under the soft morning light almost reminded me of one of those inflatable tube guys.
“Huh?” My voice was a low croak, and her smile widened.
“Guess who’s just scored tickets for an actual screening of the first five minutes of gameplay for the most anticipated game of the decade?”
“What?” Her string of words wasn’t making sense in my caffeine deprived mind. It just sounded like gibberish to me, initially.
Like we were in some cheesy commercial, she was the lead, and I was the confused NPC with the WTF expression. But when I went over it in my head, words started to slide together like a jigsaw puzzle. Misty didn’t get excited about video games. Well, she did. Though, my housemate was one to get excited on behalf of someone else. After living with her for a while now, I had concluded she was a follower.
By that, I mean whatever others thought or did or said, she copied it. If her Twitter followers were mad at bad takes, she would drop all of her own opinions on said follower and focus on what other people said. We had Korean barbecue for takeout the other day, and Misty clearly did not like it from the creased look on her face, and her very obviously spitting it politely into a napkin.
Jay, my other housemate, liked it.
And so did I. So, naturally, Misty announced she wanted more.
I had to watch her suffer through two more portions before she excused herself—presumably to throw up. Blinking at my housemate who was clearly excited for Jay, I resisted the overwhelming urge to roll my eyes.
“Slow down. What game? What are you talking about?”
I got out of bed and threw on my robe, half aware of the mess from last night on my desk. Another attempt to finish an essay which just wasn’t happening. The monster energy cans and takeout Chinese wrappers were embarrassing. I got a basic run-through as I headed downstairs with Misty right behind me, practically breathing down my neck. From what I understood, there was a Reddit post.
That was all I got from Misty’s squealing. She leapt down the stairs after me with a spring in her step. The clock above the front door told me it wasn’t even 9am. The smell of bacon, however, was quick to arise me from the dead.
Jay was in the kitchen making breakfast. I noticed his laptop was open on the table, and every so often he’d peer at it with wide, almost disbelieving eyes. Jay and Misty were complete opposites, which made them great people to live with. Jay was a quiet book who was slightly on the pretentious side, routinely quoting something philosophical to piss me off.
He had rich parents on the other side of the world, but the guy himself was fairly humble and had mostly detached himself from said family.
My housemate was usually well put together. In fact, I barely saw him in his pajamas, excluding game nights. That morning, however, he was a disheveled mess, still in yesterday’s clothes.
He offered me a grin. I glimpsed sauce from last night’s dinner still staining his chin. Jay hadn’t brushed his hair or even put on deodorant.
I caught a whiff of BO when he ducked in front of me, his gaze glued to his MacBook. It was rare when Jay ignored basic hygiene, so yeah, I was going to guess this was a pretty huge thing. “I did tell her not to wake you up, y’know.”
His slight aussie accent was always refreshing on a morning. Born in Australia and moving to the states when he was ten years old, Jay still had a slight tinge in his accent. I had seen pictures of his family, and the guy had definitely gotten most of his dad’s genes, thick brown hair, and freckles. While his dad was built like a pro wrestler however, Jay was leaner like his mom.
I shrugged. “I was already awake.”
“Liar.” He didn’t look away from his laptop.
Looking closer, I glimpsed the Reddit homepage.
“So, you have won something.”
Jay didn’t answer. I could tell he was excited by the way he could barely keep still, bustling around the kitchen, barefoot. “Coffee?”
His voice was more of a Misty-like squeak, and I half wondered for a moment if they had switched bodies, or he had at least become one with my other housemate through a chemical explosion. In our kitchen, which was yet to be cleaned after a cooking disaster several nights ago, I wouldn’t be surprised if something was living on the countertop. I nodded, slumping into a chair. “What’s going on? Why is Misty freaking out?” I nodded at his laptop. “She said you’ve won something?”
As if my housemate couldn’t hold it in anymore, he nodded, turning his screen towards me. “You know____, right?”
“Yes.” I sipped my coffee, eyeing a toaster strudel sitting on the countertop. "You mean the game which has been coming out for a decade."
He ignored that. “Well, what if I told you one of the developer’s posted on the official sub this morning?”
“For _____?"
He nodded with a grin, and I wondered it this was one of those rare times when Jay was blindly looking through a red flag to see what he wanted. I had heard of these types of scams, and Reddit was a breeding ground for them.
Gamers were pretty intense. I didn’t realize I was pulling a face until I caught his lips curving into a smile. Jay was usually the skeptical one.
“You don’t believe me.”
I downed my coffee to avoid replying. When I had drained the cup, he was still staring at me with amused eyes.
“What?”
“You think it’s bullshit.”
I shrugged. “You said it,” I said. “I’m pretty sure that game isn’t even partway through development. Didn’t Twitter leak a still last year? Also, they’ll be bringing out a new console before that game comes out.”
I leaned back in my chair. “It’s more of a pipe dream, at this point.”
“The leaks were fake,” Even he didn’t look sure. “Anyway, that’s not the point. One of the dev’s posted on the official sub this morning. He asked if we were all excited for the new game, asked if we could post some of our favorite NPC dialogue, and he’ll DM winners.”
“Uh-huh.” I nodded at the screen. I had already checked my phone for an internet meltdown concerning this post, but there was nothing. “And where is that post now?”
Jay didn’t look at me. “It was deleted. So it only reached a certain number of people.”
“Oh, it was deleted?” I couldn’t resist a smile. “What a coincidence.”
When I laughed, Jay scowled, showing me his screen—navigating his trackpad to his Reddit DM’s.
To my surprise, there was actually a message from what I guessed was a throw-away account.
While I was skim reading the DM, Misty hurried in, all dressed and ready for the day. I peeked at her outfit from Jay's laptop. Cute.
Extravagant, but cute. My housemate cranked the radio up before bouncing between us, a toaster strudel hanging out of her mouth.
Misty was a living animated character. Ignoring her wide smile, I turned back to the screen. “Congratulation!!” The DM started with capitals.
It took me reading it twice to realize there was a clear spelling mistake. I sent Jay a pointed look, but he was too busy practically vibrating with excitement. If the guy had any more caffeine, he was going to explode. “Since when did winning DM’s start with a typo?”
“I knew you were going to say that.” Jay curled his lip. “They were clearly excited when typing the message.”
“But this is supposedly an official,” I said. “Surely they would make sure it’s professional?”
My housemate didn’t reply, shooting a look at Misty, who rolled her eyes.
“Wow.” I squinted at the screen. “I am so sorry for caring about your safety. You do realize these types of scam’s usually end up with you being sold on the black market, right?”
I shuddered. “I’ve heard horror stories about underground markets specializing in illegal organ harvesting.”
“Or…” Jay’s eyes were glued to the screen. “You could be happy for me?”
I frowned at the rest of the message, which was just a capitalized freak-out about the upcoming release of the game, before inviting Jay (and a friend!) to a five-minute preview of gameplay, as well as a Q&A. There was a location and a time, which was brow-raising. “10 at night.” I said. “Who hosts a gaming convention at 10pm?” I leaned my chin on my fist. “Unless they wanted to lure as many gullible people as possible, and ship them to some organ harvesting factory on the other side of the world.”
Jay scoffed. “That’s dark.”
“You’re actually considering going to a 10pm gaming convention in the middle of nowhere. I’m trying to wake you up.”
Jay nudged me that time. “It’s real. Relax.”
“And.” I pointed to the screen. “No phones? Why would they ask you not to bring your phones?”
“To stop us filming content,” Misty sang. “Duh.”
I groaned, leaning back in my chair. “You’re on his side? This is clearly shady!” I didn’t get mad unless something was seriously pissing me off, and this was one of those times. Jay was a smart guy. There was no way he was falling for this bullshit. I thought he was joking around when he spent the day tracking the location on Google Maps. I went to class like normal and got updates through text. At lunch, Jay agreed with me and said it was in fact shady, and he wasn’t going. By afternoon classes, he was texting me in paragraphs explaining his own skepticism but had found several “friends” on an online forum who were also going and had changed his mind once again. The guy couldn’t make up his mind. He was driving me crazy.
Misty sent me several videos of Jay pacing the kitchen with his MacBook in his hands. She was broadcasting his mental breakdown via Instagram stories. But then she started to send me pictures of herself in different outfits, asking me for my opinion on each one. At that point, I turned my phone off. My housemates had lost their fucking minds. I did my own research though, just to make sure I wasn’t actually going to lose them to a shady cult.
I searched for the game itself, but just as I thought, it was shown as still in development. Every “update” was just fan speculation.
There were YouTube videos and TikTok’s of fake leaks, but nothing was real. It was either AI generated, or badly edited. By the time my classes had ended and I had turned my phone on, I had a barrage of missed calls and texts.
Most of them were from Misty with her outfit changes, and Jay changing his mind again.
This time he was convinced it was all a scam, his texts full of typos and crying emoji's which he never used. Before it hit me that Misty was most likely using his phone to text me.
I was right. When I walked through the door, I was greeted by both of them sitting on the stairs. Misty was scrolling through Jay’s phone, while the boy had his head in his hands. According to Misty’s last text, he was back to being excited to go.
From the look on his face, eyes shadowed with sleep circles, light brown curls slipping from under his hood, I wasn’t sure what Misty meant by “excited”. The guy looked the complete opposite. His mind had been consumed by the game, and the idea of seeing new content.
When I dropped my bag and folded my arms, fixing the two of them with my best disapproving parent look, Misty jumped to her feet. “Sam!” she waved Jay’s phone at me. “Did you get my texts? We’re actually going now!”
The 100+ texts on both messenger and iMessage said otherwise.
I nodded, my gaze on Jay. “Both of you do realize it’s a scam, right?” I softened my tone despite growing progressively more irritated. We were grown adults, not kids. I could understand a group of teenagers falling for it, but two twenty-three-year-olds?
This time, I ducked in front of Jay. “Hey.” I pulled down his hood, and he groaned, burying his head in his knees. “I don’t want to freak you out, so listen to me, okay?”
I exhaled out a breath. “I’m not saying something bad is going to happen to you, because it most likely won’t—and yes, I admit I’m being paranoid.” When he lifted his head, blinking through bedraggled curls, there was a faint smile on his lips. “But.” I said. “You are most likely going to end up disappointed. Which I don’t want, because you won't shut up about it for weeks."
I was only partly joking.
For a moment, I thought my housemate was going to wake up, and nod, laughing at how crazy it was.
Before shook his head and jumped up.
“I’m going to take a shower, alright? I should start getting ready."
I admit, I exploded at him.
We argued while he was in the shower, and I paced up and down the hallway, coming up with multiple reasons why he was definitely going to die, and only two positives if it was in fact real. In the end, I gave up worrying all together. I didn’t say anything when the two of them were hurrying around looking for shoes and missing car keys. I didn’t realize they were gone until the door was clanging shut, and a text was coming through. I didn’t look at it until an hour later, and I had calmed down.
Jay: 1h ago: Stop worrying, lmao. We’re good! I’ll keep my phone just in case. I’ll make sure to avoid the organ harvesting 😉
Another from Misty a few minutes later: “Love you! Chillll, kay? 😭😭 It’s going to be fun! I’ll take pics!”

Followed by: “Oh shit, we can’t. I’ll try to sneak some!"
Attached to the text was a photo of the two of them. Misty with a wide smile and a peace sign, and Jay who looked like he was mid-shout, his eyes on the road.
Those texts were… at least comforting, I guessed. Maybe they were right. I figured I was paranoid, and they in fact would really be okay.
But that didn’t stop the anxious coil in my gut when I tried to force down takeout pizza. I attempted to focus on my essay to distract myself, but I couldn’t stop glancing at my phone, and checking Twitter. There was a hashtag on the DM, which was just “PlayStationGO.” When I searched for it, however, nothing came up.
Sure, it was a private convention and only a select few knew about it, but nothing could escape Twitter.
Somewhere, someone must be talking about it. After scrolling through endless tweets though, I realized I was wrong. There was nothing.
That put a bad taste in my mouth.
10pm came, and I held my breath all the way through a Netflix TV show I was forcing myself to watch, half asleep, slumped at my desk.
I could barely distinguish the plot.
I just had a vague idea of the character names, and some of their motivations.
Midnight passed, and I was struggling to stay awake.
I glanced at my phone.
No messages, just a notification from Spotify reminding me my favorite band was playing nearby.
1am.
Still nothing. I fell back to sleep.
2:48am.
This time, I stayed awake for a few minutes glaring at my phone before my eyes grew heavy.
3:16: am.
My phone buzzed with a text from Jay, but I could barely desipher it: "can't feel help my head hurts Canshdhsn727272_6798mi/!! _&go home please. (Sent from: PlayStationGo™️ BETA)."
3:27: am.
3:54: am. I was wide awake, blinking at a notification which had popped up from an unknown number. I was trying to figure out what number it was, when my phone vibrated again and I almost jumped out of my skin.
After a moment of hesitation, I answered it.
I was trying so hard not to think of the possibility of it being the emergency room, or even worse, the cops.
All of my worst nightmares had come true in a single second.
“Hello?” I whispered in a croak.
“Are they in the house with you?” The stranger’s voice came through in a hiss of interference.
His words sent my mediocre dinner lurching back up my throat. “What?” I managed to get out. “Who?”
“Your friends.” He said, and I leapt to unsteady feet, my gut twisting and turning.
“No.” I found myself taking slow strides toward the window, brushing back the curtain and peering out into the night. “Why? Did something happen to them?” I paused.
“How did you get my number?”
“That does not matter.” His voice rattled in my ear as I rushed downstairs, almost stumbling down the bottom two. “I need you to get out of that house. Now. Get as far away as possible.”
I could hear his rapid breaths.
He was driving. I could hear the rumble of the engine. With my phone pressed to my ear, I obeyed his instructions, pulling open the door and stepping out into the cool night, a brisk breeze grazing my bare arms was just enough to stop my thoughts spiraling.
I was barefoot, in nothing but a robe, staggering down the driveway. The night was calm and silent; our neighborhood was asleep, each window drowned in darkness. I couldn’t breathe, my clammy fingers wrapped around my phone, as this stranger broke down over the phone. “Whatever you do,” he gasped out.
“Do not, I repeat DO NOT remove the PlayStationGo—shit!! He hissed out, static rattling the call. The guy seemingly got ahold of himself, and the wheel, and continued. I started to walk—where I was going, I had no idea.
The stranger lit a cigarette. I heard the click of a lighter and his exhalation of breath. “It was a BETA version, but we had to rush it. This was not my idea. My boss is a greedy man. He wanted to release the game last year, which would have meant widespread infection. Luckily, that did not happen. We did manage to delay it, but only by a year.” His words barely made sense to me as I struggled to get a word in, peering in the dark. “It was supposed to be a virtual experience of the game—a whole new angle of gameplay. But testing was difficult. First, on monkey’s, we lost multiple subjects. Tonight was supposed to be a…well, I guess you could call it out first attempt on human subjects,” his laugh was bitter. “I knew the tech wasn’t finished. And I tried. Believe me, I fucking tried. I tried to blow the whistle, but these bastards know where my parents live."
Something squirmed its way down my spine.
“So my friends were lab rats?” I said stiffly. “You used them?”
I fucking knew it.
I knew it was too good to be true.
“Yes and no. Listen to me, the people I work for are hunting them down. Trust me, I don’t want my bosses to find them because a life of experimentation will await them. Torture. Do you hear me? It does not matter if subjects fail. They don’t care. As long as there is at least a light at the end of the tunnel for them, they will see it as a win, and bring the publication date closer. They will not be treated as humans. Your friends signed a contract before trying out the tech, where the small print stated that, under section 3, player engagement, all subjects must agree to offer themselves as participants in later updates. I silently cursed Jay for always skipping the terms and conditions when buying games." The man stopped to breathe.
“I have told you multiple times, and I won’t say it again. Get as far away from that house as possible. I will take care of them. I will make sure of it." The sound of squealing engines, and I stopped power walking, coming to an abrupt stop. The silence of the night around me, compared to the sound of the highway he was on, traffic horns and the wind rushing through the window was an eerie contrast, a disturbance to the heavenly bubble we were trapped in.
“What do you mean ‘take care of them?” I had to swallow a yell. “Hey! What are you talking about?
“I’m sorry.” Was all he replied with. “I’m afraid it is too late. There was once an opportunity to save the mind during the initial level of the demonstration. However, once the PlaystationGo has been fully attached to the base of the subject, we no longer have control of it. Once integrating itself into the cerebral cortex, the PlayStationGo can only be removed by signing out of the player’s account,” his breath was heavy. “On this unfortunate occasion, however, your friends are unable to navigate the system due to a malfunction which scrambled their brains,” He trailed off. “Which has left them stranded in the game."
I let out a breath. “Right.” I said. “That’s.. bad. I mean, it’s a fucked-up piece of technology, but they’re just playing a game, right?”
There was a pause, before the man laughed.
“Young man, I don’t think you understand,” he said. “The PlayStationGo was created to give the player a full virtual experience of our game. The PlayStationGo is not a physical object. Created with nanotechnology, it attaches itself to the subject’s brain and is supposed to create a personal gaming experience for each player. As I said, however, it is not finished. It is yet to be released to the public, and of course, we are expecting certain ethical arguments due to the controversial—”
I pulled the phone away from my ear, shaking my head. I didn’t need to hear his attempts at trying to save his own skin.
“You need to help them,” I whispered. “Do you hear me? Can you do that? Can you help them?!”
“That is what I am trying to tell you,” He said.
“I know you are upset and confused, and believe me, I offer my apologies. But you need to listen to facts. During initial testing, our subjects were conscious enough to know where their home was. We are unsure why this happens, though we have linked it to territory, as well as the main character of the game heavily influencing their actions. I have been tracking them from the testing facility, and they are incredibly close. Please get as far away from there as possible. If you are no longer in the vicinity of the house, I can end this quickly and quietly before we gain attention.”
I wasn’t sure what I was going to say. Maybe start fucking screaming at him, because he was talking about getting “rid” of my friends, after their mistake.
“Do you understand me?” He said, when I couldn’t reply. “Your friends are lost causes!”
Before I could answer, though, headlights were suddenly coming around the corner, and I found myself paralysed to the spot. The car which swerved twice, crashed into several trash cans, before reversing and coming straight towards me, was not Jay’s car. Jay’s car was an old hunk of junk he’d gotten from a scrapyard. Jay’s car had doors which were practically hanging off, and a stereo which exclusively played either static gibberish, or old tapes I had no idea how to use. This car was bright yellow, and definitely had an option to drive itself. When the car came to a stop, inches from careening into me, I lost all control of myself.
I was vaguely aware of my phone slipping from my fingers and hitting the sidewalk. But I was too busy staring at the two shadows in the front of the car. The driver, and the passenger.
And the muffled screaming coming from the trunk.
When the door swung open, a figure stepping out, I did not recognise my housemate.
The stranger told me I wouldn't, but I didn't believe him.
Jay had left the house in casual jeans and a sweater, bearing the game's logo.
Now, I found myself face to face with a man with my housemate's face and features, his smile and eyes-- but something had been severed in his eyes and twisted in his expression. For one, Jay was wearing a suit I knew he couldn't afford, the sleeves torn, collar pulled open, smears of red staining the front.
His pants had cufflinks, and the Rolex on his wrist had definitely been pulled off someone's corpse.
The silver was stained a revealing scarlet. Drinking in his face, he looked like Jay. His curls hung in front of his eyes, freckles speckling his cheeks, but everything else wasn't. It wasn't until I was glimpsing what was moulded into the flesh of his hand, did I remember how to move. But then I was taking all of him in, everything my mind had intentionally skipped, because I didn't want to believe the stranger on the phone. Nanotechnology, the man had said in a hiss.
Fiction, I had thought.
Before I saw the reality of it, a writhing metallic like substance glued to the guy's temple, and slowly, very slowly, inching down his cheek, already forming around the bridge of his ear, a very faint blue light flickering.
Something must have alerted him. His cavernous eyes left mine, and he twisted his head—and I heard the sound of his neck snapping, his head lolling to the left slightly, his eyes flickering. I watched his whole body seem to sway back and forth, ready to fall forwards.
Before the newly formed device on his ear turned red, then green.
It was almost like he was… rebooting. As if coming back to life, Jay lifted his head at an awkward angle, before looking straight through me. The blood vessels in his eyes had popped, rivulets of red beading down his face. He should have been dead, I thought. No. No, he was dead. That… that thing was keeping him alive. “Well, shiiiittt,” he said. I could sense the game dialogue which had taken over him, forming on his mangled tongue.
“I’m a man on a mission.”
In jerking movements, he turned and marched back towards the car, opening the door, and sliding into the front seat.
I remembered how to move, ducking to grab my phone, before something slammed into the back of my head—and I saw stars.
I didn’t remember hitting the floor, only the soft sound of her voice, a seductive murmur repeating NPC dialogue, and her kitten heel sticking into my spine, forcing me onto my face.
Misty. I was expecting her to get it over with. But when she dragged me to my feet, sticking the barrel of a gun into the flesh of my neck—I figured she was still playing the game.
Twisting around to meet her eyes, lifeless and empty, only filled with light from the device which had taken over half of her face, I felt sick to my stomach. This thing wasn’t a games console or a virtual reality headset.
It was an attempt at coercing and programming something you already don’t understand, to do something impossible.
I could see that in the way the things had visibly chewed and eaten through her flesh, devouring her from the inside and out. I could see what was left of the dress she had worn earlier, but something must have gone wrong with her too. Because Misty had thrown on another outfit over the top, a diamond necklace hanging from her neck.
I caught a thin river of red pooling down her right temple, trying to ignore the twitchy way she moved, just like a character. From the way Misty walked, stumbling, I already knew she was gone. My housemate had newly acquired strength, throwing me in the trunk of the car where three other hostages were, and slamming it shut on my attempts to reason with her. She didn’t tie me up or restrain me.
In the dim light I could just make out though passing streetlights, I could see the trunk opened from the inside. Which was too easy.
Still though, Jay was driving recklessly, and every time I tried to throw the damn thing open, I was knocked backwards, rolling into a screaming girl, who was bound by her hands and feet. It took me multiple attempts before I had the trunk open, freezing cold air blasting me in the face. I untied the other hostages, but when I told them to come with me, they just stared blankly at me, and continued begging for their lives—and it only took me glimpsing what was attached to their temples, a familiar writhing metal plate, for me to understand. They too were playing the game. This time, as NPC hostages.
I found myself gingerly touching the trembling metallic flesh of the girl's fingers bound in rope. It had a slimy consistency, and I swore, I felt something bite into me.
No way, I thought.
This thing was sentient, yes. But it wasn't living.
Listen, I wish I could tell you what it was like to jump out of a moving car, but I can’t.
I remember it as lunging out of the trunk, hitting the freezing cold air, before hitting the ground head first, neutron star collisions exploding in the backs of my eyes.
What I do remember is waking up on the side of the road. Hours later. The sky was bright blue, a scorching sun blinding me when I managed to force my eyes open.
The early morning rush hour flew by as normal, and I wondered how ignorant American people had to be to ignore someone knocked out on the side of the road.
It’s not like I was nowhere near civilization. There was a fucking Subway right next to me.
When I had gathered myself, I remembered I had no phone. I couldn’t go home in fear of running into my rogue housemates playing their own fucked up version of _____ in their head. My plan was to try and find my phone, get in contact with the stranger who blew the whistle on my friends being dangerous, and find them. They couldn’t be far., right? And even if they weren’t themselves… someone would be able to save them.
If someone could do this to them, surely they could reverse it.
I felt sick, tired, and I was starving.
So, with some loose cash I’d found in my pocket, I bought a Subway and a Coke.
The woman at the counter smiled widely at me. She leaned forward, with a wink. “Nice cosplay!”
Cosplay?
I didn’t understand what she meant until I swore I felt something… move its way up my pant leg. I ignored it, and it happened again, this time it felt like something was… biting.
A bug, maybe? I had been laying on the side of the road for around six hours.
When I went to the bathroom, though, I found myself staring at an all too familiar glint of silver creeping its way across my temple. Like it was sentient, parts of it sider webbed towards my ear while the rest writhed into my hairline.
I pulled up my pant leg again, and there it was, a fungus-like metal substance which had already formed in two solid metal masses on my knees. I remember grazing two fingers across the thing beginning its slow feast of my flesh. I remember trying to pull it off, hissing in pain when I risked ripping off my own skin with it. I remember shaking my head and being in denial, even when the lights dimmed above me, and the bathroom door in front of me became more of a shadow. When I strode back through the Subway store, I began to see slight flickers of light above each person, highlighting something not quite there yet.
I could see it already starting, beginning to take over my thoughts. Cars which sped past were suddenly highlighted, and at the corner of my eye, if I concentrated, the outline of a map was starting to appear. Even now, when the room is almost completely taken over by shadow, and my thoughts are half my own, and half not—when a metallic device is beginning to form over my eyes—I know if I hold on, this thing won’t take me. I have considered killing myself, but that wouldn’t… be right.
How could I kill myself when there is so much left to do?
This developer was right. I don’t even know where I can sign out. There’s what looks like the beginning of some kind of index when I look up, but it’s not… finished. I can still see entangled pieces of code struggling to load what I’m guessing was log out. Whatever this thing is, it’s taking over me. Fast. Like a fungus, like a virus, it will not stop until it’s dragged me into the game, until it's leeched itself onto me.
I can feel it happening right now. It's been slow.
Almost painfully slow.
But maybe that is the point. Maybe part of the game is to feel my own thoughts beginning to unravel in favor of something else entirely.
Fuck.
Time is going by…. Fast.
Five minutes ago… I was trying to get home. But I can’t remember where I live.
I can’t concentrate.
I can’t think straight.
I have a phone—but I don’t know how I got it. Did I steal it?
Every time I move, the slowly emerging map comes to life at the corner of my eye jerks with my movement. There is a car parked nearby.
I know it belongs to the man with a child.
But a confusing blur of light is highlighting it to be something of importance. Reality is crashing in front of me, replaced with contorting shapes and bursts of color I have to blink through.
I keep hearing... sirens.
Jay is messaging me.
On what, I'm not sure.
But I need to find him.
I’m sure one mission won’t hurt, right?
submitted by Trash_Tia to nosleep [link] [comments]


2023.05.31 20:46 DeaRomana Texas 30 Day Temporary Permit Application Question

Texas 30 Day Temporary Permit Application Question
To my Texas Tesla MY owners, I am currently filling out the VTR-66: Application for the Timed Temporary Permit to obtain the temp permit Tesla is requiring prior to the vehicle arrival. Please advise what you filled in for the Body Style portion. I appreciate your assistance and I thank you all in advance.
submitted by DeaRomana to TeslaModelY [link] [comments]


2023.05.31 20:40 jgilbert682 Bizzaro Dangerfield

Bizzaro Dangerfield submitted by jgilbert682 to RodneyDangerfield [link] [comments]


2023.05.31 20:31 Perfect_timing_333 Dui suspended license applying for jobs

I’m applying for jobs right now, the question is “ do you have a valid driver license “ I could get a paper from the dmv where I can drive back and forth to work. But It’s a auto glass company, I have my court date this Friday haven’t been charged for anything yet. I just don’t know what to put in that section right there. Is it illegal to “ Yes “ because I haven’t had my court date yet ? Please help .
submitted by Perfect_timing_333 to dui [link] [comments]


2023.05.31 20:15 FantasticThing359 Finally, Justice

Finally, Justice
Years on bench with it being common knowledge that she had a drinking problem.
Blows .158% and goes beyond .20% afterwards...
“DUI operating or in control of a vehicle with a .08 or more blood alcohol within two hours of driving a class 1 misdemeanor. What is your plea?” Judge Ramsey said. “Guilty, sir,” Hancock replied. That lesser charge means Hancock will spend just a day behind bars and pay a fine of $1,650.
Moral of story... Get in trouble, call Ken Ray. It helps if you are a Judge though.
This person should not be on the bench to begin with but she will be right back on it.
Remember when the Mayor of Prescott got a DUI but the records mysteriously disappeared from the court system and no case was ever prosecuted?
(2002) "Rowle Simmons took two breath tests. The first test indicated that his blood alcohol content was 0.154 and the second test reading was 0.150, according to the Courier."
This is basically total bullshit. Regular person gets this for extreme DUI. (.15%+)
  • Mandatory minimum of 30 days in jail;
  • Over $2500 in fines & jail costs (up to $10,000);
  • Mandatory alcohol classes and screening;
  • Installation of an ignition interlock device on your car for a year (at a cost of $1500);
  • Community service; and
  • 90-day suspension of your driver’s license.

https://preview.redd.it/eaf4qnfuy83b1.jpg?width=800&format=pjpg&auto=webp&s=45722afe2cc94889ea91406feccc03e8f7ee6966
submitted by FantasticThing359 to Prescott [link] [comments]


2023.05.31 20:04 Dismal-Jellyfish Fed Governor Jefferson: "While my base case forecast for the U.S. economy is not a recession, higher interest rates and lower earnings could test the ability of businesses to service debt"

Fed Governor Jefferson:

https://www.federalreserve.gov/newsevents/speech/jefferson20230531a.htm
Financial Stability and the U.S. Economy Governor Philip N. Jefferson At the 22nd Annual International Conference on Policy Challenges for the Financial Sector, Washington, D.C.

Highlights:

  • While my base case forecast for the U.S. economy is not a recession, higher interest rates and lower earnings could test the ability of businesses to service debt.
  • In addition, and perhaps more in focus given the recent events affecting certain areas of the banking sector, higher interest rates could further exacerbate stress at banking organizations, especially those that are highly exposed to longer-duration assets and have a relatively high ratio of uninsured deposits to total deposits.
  • A decision to hold our policy rate constant at a coming meeting should not be interpreted to mean that we have reached the peak rate for this cycle.
    • Indeed, skipping a rate hike at a coming meeting would allow the Committee to see more data before making decisions about the extent of additional policy firming.
  • "Moreover, household and business balance sheets are generally strong, and the credit quality of loans is generally much better than on the eve of the Global Financial Crisis."
    • "Leverage across key parts of the financial sector, including especially the largest banks and broker-dealers, is much lower than in the mid-2000s."
  • Even so, we remain vigilant to the potential for vulnerabilities to emerge.
    • "First, recent stresses highlighted the importance of effective liquidity and interest rate risk management, including both reliance on uninsured deposits and exposure to duration risk in asset holdings."
      • "While the resilience of the financial sector will limit the spillovers from recent events, I expect those strains to lead to a further tightening in credit supply from banks that will weigh on economic activity."
    • "Second, it is also important to assess how changes in the financial sector, including expanded use of online banking and shifts in behavior that may be driven by access to social media, may alter the potential speed of deposit flows.'
    • "Third, the weakness in some sectors of commercial real estate will affect the credit quality of those types of commercial real estate loans and thereby place strains on lenders with high concentrations of those loans."
      • "Changes in work preferences and the increase in remote work is leading to a reassessment of the outlook for office and associated retail properties, and it will take time for the extent of that weakness to become clearer."
  • "As Vice Chair for Supervision Michael Barr has noted, finalizing the Basel III reforms is a high priority for the Federal Reserve."
    • "The revised framework should improve the resilience of the banking system by producing more robust and internationally consistent capital requirements for large firms, building on improvements made to the capital framework following the Global Financial Crisis." "
    • "Importantly, the revised framework is expected to reduce unwarranted variability in capital requirements."
    • "By increasing standardization, these reforms aim to increase transparency and public confidence in risk-weighted assets while also reducing complexity."

TLDRS:

  • While it's not all doom and gloom, the big "R" (Recession) isn't in Jefferson's crystal ball--must be on the fritz (he needs new batteries, he should pick those up from GameStop!...)
    • Jefferson admits rising interest rates and dwindling earnings could turn debt servicing into a a complete anchor for businesses.
      • Banks in particular might feel the squeeze from higher rates, especially those playing fast and loose with longer-term assets and those chunky pile of uninsured deposits.
  • Jefferson is playing coy with the policy rate talk doesn't mean we've hit peak as discussed this morning.
  • Jefferson claims households and businesses are mostly in the black, and loan quality is looking a lot healthier than during the Global Financial Crisis.
  • But hey, complacency is for the birds he claims the Fed is on the lookout for sneaky vulnerabilities...:
    • From a shift towards online banking and social media whims impacting deposit flows, to commercial real estate wobbles due to our newfound love for WFH destroying commercial real estate values, Jefferson is keeping his eyes peeled!
    • Completion of the Basel III reforms are on the docket--finally!
https://preview.redd.it/ljt9gez2y83b1.png?width=610&format=png&auto=webp&s=a69d3c613744a63a61708700629db1f463570cab

Full Speech:

Good afternoon, everyone. It is a pleasure to be here and share my perspective on some key challenges policymakers currently face. Before I begin, let me remind you that the views I will express today are my own and are not necessarily those of my colleagues in the Federal Reserve System.
This conference is timely and relevant. Among the topics covered are current financial stability risks and vulnerabilities, potential developments in banking supervision and regulation, and operational risk and resilience under evolving technologies. During the next three days, you will have an opportunity to engage in stimulating discussions with expert panelists on these and other critical issues.
Today, I would like to share with you, at a high level, some of the Federal Reserve's recent and ongoing initiatives on a few of these issues. I also want to share with you an overview of the Federal Reserve's approach toward financial stability and my thoughts on interactions between the economic outlook and financial stability. My remarks will be U.S. focused, fully understanding that other countries monitor financial stability similarly and that the health of the U.S. economy and financial system has an impact on other countries, and vice versa.
The Federal Reserve's Approach Toward Financial StabilityA stable financial system is resilient even in the face of sharp downturns or stress events. It provides households and businesses with the financing they need to participate and thrive in a well-functioning economy. It is difficult to anticipate or prevent shocks, but sound policies can mitigate their impact. At the Federal Reserve, we work hard to make sure that an initial shock in one area of the financial system does not spill over to other markets or institutions and cause severe or widespread strains. Such spillovers could disrupt the flow of credit and cause outsized declines in employment and economic activity. It is not our role, nor should it be our objective, to influence the allocation of credit within or across sectors of the U.S. economy.
Financial and nonfinancial institutions and households are linked through a web of relationships. The economic activities of households and businesses depend on the strength of financial institutions' balance sheets, as households and businesses obtain funding through the financial sector. Similarly, the health of the financial sector hinges on the strength of the balance sheets of households, businesses, and financial institutions, as financial institutions' assets are the liabilities of these sectors.
The Federal Reserve monitors and assesses potential vulnerabilities that may develop because of interactions among key participants. We do that by focusing on the safety and soundness of individual supervised institutions and by looking across the entire financial and nonfinancial system for potential risks and vulnerabilities. These risks and vulnerabilities can include elevated valuation pressures, excessive borrowing by households and businesses, excessive leverage in the financial system, and elevated funding risks. In other words, at the Federal Reserve, we use both microprudential and macroprudential approaches to monitor the health of financial institutions and the financial sector.
The recent banking stress events remind us that risks and vulnerabilities in financial markets are continuously changing. That is why the staff at the Federal Reserve is constantly monitoring domestic and foreign financial markets and institutions, as well as the financial condition of households and businesses, with the goal of identifying current and future vulnerabilities. Such forward-looking financial stability monitoring helps inform policymakers about ongoing vulnerabilities in the financial system that may amplify a range of potential adverse events or shocks.
The U.S. Financial System and Economic OutlookU.S. financial markets and institutions remain resilient even though financial stability risks and vulnerabilities in the U.S. financial system have increased since the recent stress events. Conditions in the banking sector have stabilized thanks, in part, to decisive emergency actions taken in March by the Federal Reserve, the Federal Deposit Insurance Corporation, and the Treasury. The Federal Reserve, using existing regulatory and supervisory tools, is working to ensure that banks improve and update their liquidity, commercial real estate, and interest rate risk-management practices.
I expect spending and economic growth to remain quite slow over the rest of 2023, due to tight financial conditions, low consumer sentiment, heightened uncertainty, and a decline in household savings that had built up after the onset of the pandemic. Inflation has come down substantially since last summer, but it is still too high, and by some measures progress has been decelerating recently, particularly in the core services sector. While it is reasonable to expect that the recent banking stress events will lead banks to tighten credit standards further, the amount of tightening and the magnitude of the effect such tightening might have on the U.S. economy is not yet clear, and this uncertainty complicates economic forecasts.
Short-term interest rates are 5 percentage points higher than they were a little over a year ago. History shows that monetary policy works with long and variable lags, and that a year is not a long enough period for demand to feel the full effect of higher interest rates. While my base case forecast for the U.S. economy is not a recession, higher interest rates and lower earnings could test the ability of businesses to service debt. In addition, and perhaps more in focus given the recent events affecting certain areas of the banking sector, higher interest rates could further exacerbate stress at banking organizations, especially those that are highly exposed to longer-duration assets and have a relatively high ratio of uninsured deposits to total deposits. Since late last year, the Federal Open Market Committee has slowed the pace of rate hikes as we have approached a stance of monetary policy that will be sufficiently restrictive to return inflation to 2 percent over time. A decision to hold our policy rate constant at a coming meeting should not be interpreted to mean that we have reached the peak rate for this cycle. Indeed, skipping a rate hike at a coming meeting would allow the Committee to see more data before making decisions about the extent of additional policy firming. With that said, let me turn to the topics covered in our two sessions this afternoon.
Current Financial Stability Risks and VulnerabilitiesDuring the first session this afternoon, you will be discussing current financial stability risks and vulnerabilities as well as historical parallels. As we have seen in the past couple of months, the failure of a large banking organization, even if not deemed individually systemically important under our regulations, can cause markets to reassess the condition of other firms with roughly similar size and risk profiles, and the resulting spillovers can generate significant negative consequences for the broader economy. As I mentioned earlier, conditions in the banking sector have stabilized. Moreover, broader U.S. financial markets and the overwhelming majority of financial institutions have been resilient to the recent stress events.
The resilience of the financial system to current salient risks can be appreciated by contrasting it to the 2008 Global Financial Crisis. Leading up to the Global Financial Crisis, housing markets were substantially overvalued, mortgage underwriting standards were weak, and home mortgages were at substantial risk of falling underwater if house prices fell. Yet banks had limited loss-absorbing capacity and were heavily reliant on wholesale short-term funding, and interconnections across the financial system were opaque. When housing markets weakened, opacity contributed to investors' fears, short-term funding pulled away, and excessive leverage led to fire sales as financial institutions experienced losses and major firms failed or were rescued by the government. The economy experienced a deep recession, and unemployment ultimately reached 10 percent.
The current resilience of the financial sector points to substantially more limited spillovers from recent events. The failures of Silicon Valley Bank, Signature Bank, and First Republic Bank showed excessive reliance at those institutions on uninsured deposits and excessive exposure to interest rate risk. Even so, the overwhelming majority of banks have strong balance sheets with limited leverage, high levels of loss-absorbing capacity, and healthy liquidity. Moreover, household and business balance sheets are generally strong, and the credit quality of loans is generally much better than on the eve of the Global Financial Crisis. Leverage across key parts of the financial sector, including especially the largest banks and broker-dealers, is much lower than in the mid-2000s.
Even so, we remain vigilant to the potential for vulnerabilities to emerge. Three areas of potential concern have been the focus of our supervisory and regulatory work. First, recent stresses highlighted the importance of effective liquidity and interest rate risk management, including both reliance on uninsured deposits and exposure to duration risk in asset holdings. While the resilience of the financial sector will limit the spillovers from recent events, I expect those strains to lead to a further tightening in credit supply from banks that will weigh on economic activity. Second, it is also important to assess how changes in the financial sector, including expanded use of online banking and shifts in behavior that may be driven by access to social media, may alter the potential speed of deposit flows. Third, the weakness in some sectors of commercial real estate will affect the credit quality of those types of commercial real estate loans and thereby place strains on lenders with high concentrations of those loans. Changes in work preferences and the increase in remote work is leading to a reassessment of the outlook for office and associated retail properties, and it will take time for the extent of that weakness to become clearer.
Ongoing Regulatory Capital InitiativesLater in the afternoon, during the second session of the conference, you will be discussing a few key ongoing regulatory capital initiatives, focusing on the completion of the Basel III reforms. As Vice Chair for Supervision Michael Barr has noted, finalizing the Basel III reforms is a high priority for the Federal Reserve. The revised framework should improve the resilience of the banking system by producing more robust and internationally consistent capital requirements for large firms, building on improvements made to the capital framework following the Global Financial Crisis. Importantly, the revised framework is expected to reduce unwarranted variability in capital requirements. By increasing standardization, these reforms aim to increase transparency and public confidence in risk-weighted assets while also reducing complexity.
As we speak, the staffs of the U.S. federal banking agencies are diligently working on a Basel III endgame proposal that should be issued for public comment soon. At the same time, the Federal Reserve staff is considering ways to enhance the ability of stress tests to capture a wider range of risks and identify vulnerabilities at the largest banking organizations.
ConclusionBased on this brief overview of the issues, this afternoon promises to be invigorating and informative. I look forward to hearing how the panel discussions go. I hope that you enjoy the conference.
Thank you.
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2023.05.31 19:55 Happy_Pomegranate56 My parents are always getting on me because I can’t drive, but who’s supposed to teach me?

I (f17) have had my learners permit since November 2021, I was so excited to learn how to drive, as soon as I got it, my mom let me drive around the neighborhood, terrible idea, drove just on the curb of some old guys really nice lawn (sorry! who knew I wouldn’t know how to work the car because it’s not like I’ve never done it before!) the guy came outside and he wasn’t even mad, he just wanted to make sure we were safe and not drunk, but then a neighbor, some ancient geezer came over and threatened to call the cops on me because I drove up the fucking curb for 5 seconds. the guy who’s lawn I actually went into a bit cared about 100x less than some random neighbor.
After that I pretty much was petrified to drive again for like 6 months. Anyways I’ve been ready to try again for a longgg time now. my parents consistently get on me for not being able to drive when they are CONSTANTLY working or I am in school. I’m always being blamed for it and I don’t know why. I swear they think I can just snap my finger and get all of my behind the wheels done and have my license. They make me feel like such a burden because they have to drive me to school or to work, which I only work twice a week on a good week because that’s the only time they’re available to drive me. Wednesdays after school, and early mornings on Saturday’s. I can’t get my license if I don’t have anyone to teach me how to drive.
Also to add, I don’t think either of our cars are appropriate for me to learn on, most people would agree and my grandma has said multiple times she is willing to let me learn in her car as she lives with us (not as in her teaching me, but my parents taking her car and teaching me in that) because my parents cars are really far off the ground and awkward and I’ve expressed I think have an easier time learning in something a little smaller and lower to the ground. Something that feels less like a professional death machine. It’s starting to take a big toll on me. I feel so behind all of my peers, they all can drive, they can hangout with friends whenever they want, can work whenever they want, they live by their own schedules instead of their parents. My mom is always telling me that if I’d just drive I could have that too, but that would involve me actually learning how. I’ve looked into driving lessons and surprisingly there aren’t any in my area, most driving schools around me went broke after covid so now they only offer drivers Ed or very specific courses for preparing people who can already kind of drive for their road tests. I just need someone to teach me basics of a car. Uggg thanks for reading. Advice for this is appreciated. I feel so stuck right now.
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2023.05.31 19:25 WildponyAU24 Driving license: USA to Irish provisional

If you're insured and driving on your American license - and then get your Irish provisional license - do you have to have a full license holder in the car with you when driving?
I've seen people writing in here that that is the case, but no definitive information and I can't find anything about it on NDLS or RSA.
I'm just doing the mental backflips of trying to imagine going from being able to drive around independently (legally speaking) to that being against the law.
Backstory: I have my Irish provisional license, although it's a couple years expired, still under the five year expiry though. I'll be back in Ireland at the end of the summer and was planning to buy a car, insure it on the American license, and then immediately get to work on renewing the permit and applying for the driver's test and taking some EDT refreshers (already done my required 6 and have my RSA exemption letter). However now I'm thinking maybe I should hold off getting a car and the insurance that goes with it until I have the full license. My partner just took a new job in Cork - he doesn't have his license and we have no family or friends in the area that could be in the car with me. Since I'm the only driver of the two of us I don't want to chance anything or flaunt the law. At the same time, I'm also anxious at the idea of putting off employment for 6 months or so while waiting to sit the test. If it has to be done I'll do it but it's a big stress.
I'd be happy enough to live car free but it's needed for work, unfortunately.
Thanks for any advice or thoughts
EDIT: to add partner's from Donegal and he's currently just started working in Cork, hence the limited connections for friends/family in the area
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2023.05.31 19:23 No_Competition4897 [HIRING] 25 Jobs in WY Hiring Now!

Company Name Title City
CoachUSA Bus Driver - $3,000 Hiring Bonus Casper
Magpul Industries Technical Support Representative - Firearms A Cheyenne
Appen Finance and Accounting Data Collection - Freelance Cheyenne
Clean Energy Fuels Welder II Evanston
Jobot Chief Nursing Officer Casper
EmpRes Healthcare Management, LLC Nursing Assistant (NA) In-Training Casper
Luke & Associates, Inc. Licensed Practical/Vocational Nurse (230273) Cheyenne
CDR Companies POOL Licensed Practical Nurse (LPN) - Cheyenne, WY Cheyenne
Cheyenne Regional Medical Center Registered Nurse Cheyenne
Jobot Chief Nursing Officer Cheyenne
Jobot Registered Nurse - Any Specialty Newcastle
YesCare Registered Nurse Rawlins
North Platte Valley Medical Center Long Term Care Nurse Saratoga
North Platte Valley Medical Center Restorative Aid/CNA Saratoga
North Platte Valley Medical Center Registered Nurse (RN) Saratoga
YesCare Registered Nurse Torrington
Harbor Freight Tools Retail Stocking Associate Casper
FedEx Ground Warehouse Package Handler Casper
Wyoming Rents Forklift Technician Casper
Hercules Industries, Inc. Delivery DriveWarehouse Worker Casper
Uhs Timecard & Supply Clerk Casper
Admiral Beverage Corporation PEPSI Warehouse Laborer P/T Casper
SWI Wyoming Shop Warehouse Attendant Casper
L&W Supply Warehouse Material Handler Cheyenne
SAS Retail Services Retail Stocking/Shelving Associate Cheyenne
Hey guys, here are some recent job openings , feel free to comment here if you have any questions, I'm at the community's disposal! If you encounter any problems with any of these job openings please let me know that I will modify the table accordingly. Thanks!
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2023.05.31 19:07 Conscious-Aspect-669 AITA For getting mad at my boyfriend for wanting his mom to sit in the front?

I (19f) have a bf(19m) of almost two years. I woke up in absolute pain, my throat was sore and it hurt to drink, I had a fever. I asked my bf to take me to the pharmacy to pick up some medicine. While at the pharmacy, he gets a phone call from his mom, she had an appointment that he was supposed to take her to renew her license. He asked me if I wanted to tag along. I agreed because he wouldn’t have had time to go drop me back home since there was little time to pick her up and drive her to the dmv. We go straight to my MIL house. I open my door and he heads to the passenger side and starts tidying up. I ask, “Why are you cleaning? Aren’t we taking your moms car?” Which I was willing to sit in the backseat for, you know, since it’s her car. He then told me, “ No I’m cleaning it up for my mom to sit here.” I was confused. I was already moody since I had a bad case of strep. If you get strep occasionally, it’s practically hell. I then mumbled, “I would understand if it was her car but it’s mine.” He didn’t really hear me but I went inside to greet his mom. (I don’t drive, but it’s my car from before we got together.) She noticed I wasn’t feeling well and offered me to stay in her home to rest and drink tea. My MIL is an angel, and it had nothing to do with her. I took her offer and stayed because I needed time to think about the situation and not jump into conflict. AITAHfor getting mad at my boyfriend for wanting his mom to sit in the front?
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2023.05.31 18:31 TobusFire Questions about BC to Alberta License Exchange

Hi! I am looking to transfer my full BC license to an Alberta one. I have 6+ years of experience, but my one concern is how to prove this (since they say I need to show 2+ years at least). My BC License is only for 2 years and is about to expire, and I haven't owned a car during that time due to financial reasons and so I am not on insurance either. I used to have an Alberta license beforehand, so I am hoping I am in the system and they can simply see that I have years of experience, but does anyone have any experience with this?
EDIT: I got my online drivers abstract. Thanks for the tips everyone, I will go to the DMV later.
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