May 2022 - cypherpunks - lists.cpunks.org

Alliance for Innovative Regulation
by Gunnar Larson 07 Jul '22

07 Jul '22

https://regulationinnovation.org/team/jo-ann-barefoot/ Jo Ann BarefootFounder & CEO Jo Ann Barefoot is CEO & Founder of AIR - the Alliance for Innovative Regulation, Cofounder of Hummingbird Regtech, and host of the podcast show Barefoot Innovation. A noted advocate of “regulation innovation,” Jo Ann is Senior Fellow Emerita at the Harvard Kennedy School Center for Business & Government. She has been Deputy Comptroller of the Currency, partner at KPMG, Co-Chairman of Treliant Risk Advisors, and staff member at the U.S. Senate Banking Committee. She’s an angel investor, serves on the board of Oportun, serves on the fintech advisory committee for FINRA, is a member of the Milken Institute U.S. FinTech Advisory Committee, and is a member of the California Blockchain Working Group Advisory Board. Jo Ann chairs the board of directors of FinRegLab, previously chaired the board of the Financial Health Network, and previously served on the CFPB’s Consumer Advisory Board. In 2020 Jo Ann was inducted into the Fintech Hall of Fame by CB Insights. My work centers on convergence, the places where disparate currents flow together and form something new. At Barefoot Innovation Group, we are finding better solutions for financial consumers at the confluence of technology, markets, demographics, cultures, science, the arts, global poverty reduction, and, crucially, regulation. As part of this search we discovered the need for my new nonprofit, AIR - the Alliance for Innovative Regulation. Transformation is coming — Fintech, Regtech, and “regulation innovation.” Here are some of the connections I’ve put together in my life. I am: - CEO and Cofounder of AIR - the Alliance for Innovative Regulation - CEO of Barefoot Innovation Group - Senior Fellow Emerita at Harvard University’s John F. Kennedy School of - Government’s Center for Business & Government. - Publishing a Harvard Kennedy School M-RCBG Associate Working Paper series on regulation innovation and working on a book on it as well - Host of the global podcast show Barefoot Innovation. - Co-founder of Hummingbird Regtech, designing software to fight financial crime. - A global public speaker, reaching thousands of people throughout the world each year including with my speech, Never Fear. - Board member at Oportun. - Chair of the board of FinRegLab. - An angel investor and an adviser to fintech startups. - A convener of roundtables and cross-pollination of ideas. - An original member of the CFPB’s Consumer Advisory Board. - Former chair of the board of the Financial Health Network. - Board member of the National Foundation for Credit Counseling (NFCC). - Member of the Milken Institute FinTech Advisory Committee. - Member of the fintech committee of FINRA - Member of the California Blockchain Working Group Advisory Board. - Author of several books and nearly 200 articles and contributor to Forbes. - Author of major white papers, including the Regtech Manifesto. - Media source, frequent podcast guest, and expert witness at hearings of Congress and federal agencies. - The first woman to serve as Deputy Comptroller of the Currency, where I led the OCC’s original consumer protection unit and later directed new media, Congressional and interagency relationships, including for the Comptroller’s role on the board of the FDIC. - Former Staff Member at the U.S. Senate Banking Committee. - Former Co-Chair of the consulting firm Treliant Risk Advisers. - Former Partner and Managing Director at KPMG, heading consumer financial regulatory and privacy advisory teams. - A serial entrepreneur, starting several consulting and technology firms. - Former Director of Mortgage Finance for the National Association of Realtors, and researcher at the Department of Housing and Urban Development and Federal Home Loan Bank Board. - Volunteer leader in conservation, education, women’s opportunity and the arts. I have chaired the global Trustee Council of the Nature Conservancy and founded its initiative on Trustees Without Borders; previously chaired the boards of trustees of the Ohio Nature Conservancy and Hiram College; served on the Council of Board Chairs of the Association of Governing Boards of Universities and Colleges, and serve on the Board of the Theodore Roosevelt Conservation Partnership. - I’m a National Advisory Board member of the National Museum of Women in the Arts. I have been an International Visitor to the European Community and worked in distressed villages in rural India. I love adventure and challenge. I’ve raised three amazing kids. I've fly-fished on five continents. I’ve searched for wolves in the Arctic. I’ve crisscrossed Alaska in small planes. I’ve been charged by an Alaska brown bear. I’ve been in a sinking boat in the dark on a lake in Chile. I’ve worked in leprosy villages in India. I’ve run a marathon. I’ve started several businesses. I’ve written two novels -- my creative writing has won national recognition. I once spent four days and three nights on a mountain, solo, with no tent, fasting. I've faced 130 degree heat and minus 40 cold. I’ve lived in the inner city and been a crime victim multiple times. My home is now on a mountain in the southwest with the wild creatures including, once, a thousand elk. I’ve traveled a mountain road alone under a full moon with a herd of wild horses. I am (for my age) a fearless early adopter of technology. I love artists and rebels and inventors and unconventional people. I’ve beaten polio and cancer. I know technology has saved my life. It’s an eclectic mix. Convergences everywhere, filled with discovery. Current non-profit affiliations: Center for Financial Services Innovation The Nature Conservancy Hiram College

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Globalism: MINDSPACE - From 9/11 to The Great Reset Matrix
by grarpamp 05 Jul '22

05 Jul '22

https://asiatimes.com/2020/09/from-9-11-to-the-great-reset/ https://sustainabledevelopment.un.org/content/documents/21252030%20Agenda%2… https://www.bi.team/publications/mindspace/ " Something’s gotta give. And then, out of the blue, it did. A drive by design towards ironclad concentration of power and geoeconomic diktats was first conceptualized – under the deceptive cover of “sustainable development” – already in 2015 at the UN (here it is, in detail). Now, this new operating system – or technocratic digital dystopia – is finally being codified, packaged and “sold” since mid summer via a lavish, concerted propaganda campaign. The whole Planet Lockdown hysteria that elevated Covid-19 to post-modern Black Plague proportions has been consistently debunked, for instance here and here, drawing from the highly respected, original Cambridge source. The de facto controlled demolition of large swathes of the global economy allowed corporate and vulture capitalism, world wide, to rake untold profits out of the destruction of collapsed businesses. And all that proceeded with widespread public acceptance – an astonishing process of voluntary servitude. None of it is accidental. As an example, over ten years ago, even before setting up a – privatized – Behavioral Insights Team, the British government was very much interested in “influencing” behavior, in collaboration with the London School of Economics and Imperial College. The end result was the MINDSPACE report. That was all about behavioral science influencing policymaking and most of all, imposing neo-Orwellian population control. MINDSPACE, crucially, featured close collaboration between Imperial College and the Santa Monica-based RAND corporation. Translation: the authors of the absurdly flawed computer models that fed the Planet Lockdown paranoia working in conjunction with the top Pentagon-linked think tank. https://www.weforum.org/focus/the-great-reset https://intelligence.weforum.org/ https://www.weforum.org/agenda/2020/04/strategic-intelligence-widget-artifi… https://www.weforum.org/agenda/2020/06/now-is-the-time-for-a-great-reset/ https://www.weforum.org/agenda/2020/07/covid19-this-is-how-to-get-the-great… And that is more than enough to beautifully set up “the cure”: The Great Reset. The beating heart The Great Reset was officially launched in early June by the World Economic Forum (WEF) – the natural habitat of Davos Man. Its conceptual base is something the WEF describes as Strategic Intelligence Platform: “a dynamic system of contextual intelligence that enables users to trace relationships and interdependencies between issues, supporting more informed decision-making”. The Great Reset is immensely ambitious, spanning over 50 fields of knowledge and practice. It interconnects everything from economy recovery recommendations to “sustainable business models”, from restoration of the environment to the redesign of social contracts. The beating heart of this matrix is – what else – the Strategic Intelligence Platform, encompassing, literally, everything: “sustainable development”, “global governance”, capital markets, climate change, biodiversity, human rights, gender parity, LGBTI, systemic racism, international trade and investment, the – wobbly – future of the travel and tourism industries, food, air pollution, digital identity, blockchain, 5G, robotics, artificial intelligence (AI). The Great Reset presupposes that all stakeholders – as in the whole planet – must toe the line. Otherwise, as Schwab stresses, we will have “more polarization, nationalism, racism, increased social unrest and conflicts”. In the end, only an all-in-one Plan A applies for making these systems interact seamlessly: the Great Reset – shorthand for a New World Order that has always been glowingly evoked, but never implemented. There is no Plan B. Whether Covid-19’s ultimate “window of opportunity” presented itself as a mere coincidence or by design, will always remain a very juicy question. Already three months ago, Schwab’s book hinted that the more everyone is mired in the global paralysis, the more it’s clear that things will never be allowed (italics mine) to return to what we considered normal. What has been imposed as an ironclad consensus is that without a Covid-19 vaccine there’s no possibility of anything resembling normality. https://www.strategic-culture.org/news/2020/05/15/how-biosecurity-is-enabli… What matters above all is the “window of opportunity” offered by Covid-19, boosting, among other issues, the expansion of what I previously described as Digital Neo-Feudalism – or Algorithm gobbling up Politics. No wonder politico-economic institutions from the WTO to the EU as well as the Trilateral Commission are already investing in “rejuvenation” processes, code for even more concentration of power. "

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Limits to growth
by coderman 22 Jun '22

22 Jun '22

https://www.vice.com/en/article/z3xw3x/new-research-vindicates-1972-mit-pre… MIT Predicted in 1972 That Society Will Collapse This Century. New Research Shows We’re on Schedule. A 1972 MIT study predicted that rapid economic growth would lead to societal collapse in the mid 21st century. A new paper shows we’re unfortunately right on schedule. NA by [Nafeez Ahmed](https://www.vice.com/en/contributor/nafeez-ahmed) July 14, 2021, 6:00am - - - [GettyImages-1189106363] Image: Getty A remarkable new study by a director at one of the largest accounting firms in the world has found that a famous, decades-old warning from MIT about the risk of industrial civilization collapsing appears to be accurate based on new empirical data. As the world looks forward to a rebound in economic growth following the devastation wrought by the pandemic, the research raises urgent questions about the risks of attempting to simply return to the pre-pandemic ‘normal.’ In 1972, a team of MIT scientists got together to study the risks of civilizational collapse. Their [system dynamics model](https://www.theguardian.com/environment/earth-insight/2014/jun/04/sc… published by the Club of Rome identified impending ‘limits to growth’ (LtG) that meant industrial civilization was on track to collapse sometime within the 21st century, due to overexploitation of planetary resources. The controversial MIT analysis generated heated debate, and was widely derided at the time by pundits who misrepresented its findings and methods. But the analysis has now received stunning vindication from a study written by a senior director at professional services giant KPMG, one of the 'Big Four' accounting firms as measured by global revenue. Limits to growth The study was published in the Yale Journal of Industrial Ecology in November 2020 and is available [on the KPMG website](https://advisory.kpmg.us/articles/2021/limits-to-growth.html). It concludes that the current business-as-usual trajectory of global civilization is heading toward the terminal decline of economic growth within the coming decade—and at worst, could trigger societal collapse by around 2040. The study represents the first time a top analyst working within a mainstream global corporate entity has taken the ‘limits to growth’ model seriously. Its author, Gaya Herrington, is Sustainability and Dynamic System Analysis Lead at KPMG in the United States. However, she decided to undertake the research as a personal project to understand how well the MIT model stood the test of time. The study itself is not affiliated or conducted on behalf of KPMG, and does not necessarily reflect the views of KPMG. Herrington performed the research as an extension of [her Masters thesis](https://dash.harvard.edu/handle/1/37364868) at Harvard University in her capacity as an advisor to the Club of Rome. However, she is quoted [explaining her project](https://advisory.kpmg.us/articles/2021/limits-to-growth.html) on the KPMG website as follows: “Given the unappealing prospect of collapse, I was curious to see which scenarios were aligning most closely with empirical data today. After all, the book that featured this world model was a bestseller in the 70s, and by now we’d have several decades of empirical data which would make a comparison meaningful. But to my surprise I could not find recent attempts for this. So I decided to do it myself.” Titled ‘Update to limits to growth: Comparing the World3 model with empirical data’, the study attempts to assess how MIT’s ‘World3’ model stacks up against new empirical data. Previous studies that attempted to do this found that the model’s worst-case scenarios accurately reflected real-world developments. However, the [last study](https://sustainable.unimelb.edu.au/__data/assets/pdf_file/0005/2763500/MSSI-ResearchPaper-4_Turner_2014.pdf) of this nature was completed in 2014. The risk of collapse Herrington’s new analysis examines data across 10 key variables, namely population, fertility rates, mortality rates, industrial output, food production, services, non-renewable resources, persistent pollution, human welfare, and ecological footprint. She found that the latest data most closely aligns with two particular scenarios, ‘BAU2’ (business-as-usual) and ‘CT’ (comprehensive technology). “BAU2 and CT scenarios show a halt in growth within a decade or so from now,” the study concludes. “Both scenarios thus indicate that continuing business as usual, that is, pursuing continuous growth, is not possible. Even when paired with unprecedented technological development and adoption, business as usual as modelled by LtG would inevitably lead to declines in industrial capital, agricultural output, and welfare levels within this century.” Study author Gaya Herrington told Motherboard that in the MIT World3 models, collapse “does not mean that humanity will cease to exist,” but rather that “economic and industrial growth will stop, and then decline, which will hurt food production and standards of living… In terms of timing, the BAU2 scenario shows a steep decline to set in around 2040.” [image3.png] The ‘Business-as-Usual’ scenario (Source: Herrington, 2021 The end of growth? In the comprehensive technology (CT) scenario, economic decline still sets in around this date with a range of possible negative consequences, but this does not lead to societal collapse. [image1.png] The ‘Comprehensive Technology’ scenario (Source: Herrington, 2021 Unfortunately, the scenario which was the least closest fit to the latest empirical data happens to be the most optimistic pathway known as ‘SW’ (stabilized world), in which civilization follows a sustainable path and experiences the smallest declines in economic growth—based on a combination of technological innovation and widespread investment in public health and education. [image2.png] )The ‘Stabilized World’ Scenario (Source: Herrington, 2021) Although both the business-as-usual and comprehensive technology scenarios point to the coming end of economic growth in around 10 years, only the BAU2 scenario “shows a clear collapse pattern, whereas CT suggests the possibility of future declines being relatively soft landings, at least for humanity in general.” Both scenarios currently “seem to align quite closely not just with observed data,” Herrington concludes in her study, indicating that the future is open. A window of opportunity While focusing on the pursuit of continued economic growth for its own sake will be futile, the study finds that technological progress and increased investments in public services could not just avoid the risk of collapse, but lead to a new stable and prosperous civilization operating safely within planetary boundaries. But we really have only the next decade to change course. “At this point therefore, the data most aligns with the CT and BAU2 scenarios which indicate a slowdown and eventual halt in growth within the next decade or so, but World3 leaves open whether the subsequent decline will constitute a collapse,” the study concludes. Although the ‘stabilized world’ scenario “tracks least closely, a deliberate trajectory change brought about by society turning toward another goal than growth is still possible. The LtG work implies that this window of opportunity is closing fast.” In a presentation at the World Economic Forum in 2020 delivered in her capacity as a KPMG director, Herrington [argued](https://www.weflive.com/story/e968fb0963974e1e8f6c636e5654cbc2) for ‘agrowth’—an agnostic approach to growth which focuses on other economic goals and priorities. “Changing our societal priorities hardly needs to be a capitulation to grim necessity,” she said. “Human activity can be regenerative and our productive capacities can be transformed. In fact, we are seeing examples of that happening right now. Expanding those efforts now creates a world full of opportunity that is also sustainable.” She noted how the rapid development and deployment of vaccines at unprecedented rates in response to the COVID-19 pandemic demonstrates that we are capable of responding rapidly and constructively to global challenges if we choose to act. We need exactly such a determined approach to the environmental crisis. “The necessary changes will not be easy and pose transition challenges but a sustainable and inclusive future is still possible,” said Herrington. The best available data suggests that what we decide over the next 10 years will determine the long-term fate of human civilization. Although the odds are on a knife-edge, Herrington pointed to a “rapid rise” in environmental, social and good governance priorities as a basis for optimism, signalling the change in thinking taking place in both governments and businesses. She told me that perhaps the most important implication of her research is that it’s not too late to create a truly sustainable civilization that works for all.

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Re: [crazy][hobby][spam] Automated Reverse Engineering
by k 18 Jun '22

18 Jun '22

i posted but my email disappeared for me, here's another. my continuing on this is waning atm, maybe will change. the first model was lost after a day or two when the notebook closed itself. reusing the token ids of the T5 tokenizer really speeds training from the T5 model. i spent some time hacking a tokenizer that both engages byte data and toikenizes embedded strings, but it seems it would be better if the token ids of the previous tokenizer were used, to reuse more of the model. there's a very early model at https://huggingface.co/baffo32/pyc2py_alpha that could maybe seed the .ipynb or its associated .py file in https://github.com/xloem/techsketball . the model doesn't succeed yet, just gets more likely to. thinking of the intensity of this task, how [indescribably] hard it can be to continue: my example here was with pyc files, for which the source is almost always already available. this example gave me more ease when starting the project. however, more useful example data can give bigger return when projects struggle.

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Water.org Sustainability Funders Disrespect China
by Gunnar Larson 07 Jun '22

07 Jun '22

xNY.io recently compiled a Water.org Global Risk Assessment (below) a few years ago now. As true New York diplomats, xNY.io is absolutely required to be friendly innovators with the dignity and trail blazing, historic pioneering spirit of the e-CNY initiative. There is no association with xNY.io and e-CNY, however, we seem to share the ideals of to save succeeding generations from the scourge of war, which twice in our lifetime has brought untold sorrow to mankind, and to reaffirm faith in fundamental human rights, in the dignity and worth of the human person, in the equal rights of men and women and of nations large and small, and to establish conditions under which justice and respect for the obligations arising from treaties and other sources of international law can be maintained, and to promote social progress and better standards of life from regulatory arbitrage corruption. Water is life, for the human species. xNY.io, lucky in every way for our global marketplace position knows of a water assault on China. Given several factors, today as a disclosure technique we respect e-CNY outlining 'who may be a Water.org sustainability funder' ... So this hopefully will not affect xNY.io in the future. USDC and USDP are not our problem (people who know, know what this means). More research can be found here: https://chinapower.csis.org/china-water-security/ Water.org’s Key Institutional and Strategic Risks Water.org’s current risks and barriers to scale include concerns over misuse of loans, operational delays, fraud, error, and security, all of which undermine Water.org's objectives and mission. ● FRAUD: These deceptions often include manipulation of documents or the abuse of policies, procedures or office property. For example, in absence of a well-designed process for selection of a raw material supplier for the construction of toilets, operations staff can collude with dishonest suppliers and procure cheap, low-quality material at high rates, which could create infrastructure failures and lead to credit risk. ● ERROR: Errors are typically unintentional and result due to lack of staff capacity and training, rapid growth, limited technical resources, or an inadequate number of staff. Errors in judgement or incorrect interpretation of policies, procedures, documents, or cash transactions can create problems for an FI. For example, a branch manager might make an error in the appraisal of a WASH loan client if s/he has not received training on WASH lending. ● SECURITY: This refers to risk of cash or material theft. For example, for FIs that are involved in provision of construction materials, the storage of the materials and their delivery is a risk. ● INEFFICIENCY: Risk is created when there is low staff productivity or ineffective management leading to loss of efficiency. ● CREDIT RISK: An assessment of credit risk at Water.org investigated whether the credit policies and procedures are correctly followed and administered by the FI staff. This includes reviewing whether credit transactions are properly recorded and summarized in the account tracking system and presented in the financial and portfolio reports. For example, an FI in the Philippines had a loan product tenure of three months even though loan sizes were quite high. Clients who were assessed to be qualified for a loan of PHP 15,000 (US$340) ended up actually receiving nearly PHP 35,000 (US$793) over the course of a year, through multiple loan cycles. This flaw in the loan product design resulted in large-scale delinquency problems with clients in the third and fourth loan cycles Our Suggestion: Water.org 2.0, Blockchain and Energy Our research shows Water.org currently lacks developed, effective, accountable and transparent institutions reporting processes globally. Their published internal studies highlight FI corruption and bribery in all forms. Blockchain technology could help solve this, only implemented globally and monitored correctly. Most importantly, we strongly recommend Water.org executives should leverage blockchain and current partnerships, historically and radically innovating Water.org’s global scope to include solar energy in North Africa. ● Immediate Recommendation: Essential for Water.org’s global development reporting work to be organized and oriented in the same direction in order to focus on what really matters and ensure proper transparency and figures. Water.org has been working on the nieve, poor business assumption that goals can be achieved with enough political will, investment and action at all levels. ○ Integrated water resources reporting via Blockchain, include management smart contracts at all levels, including Water.org funds to FI, FI internal use of Water.org funds, client use of funds through to contractor ● Review Loan/Product Benefit: Water.org’s global executive team has not reflected the importance of complete sustainable development for their clients. Internal Data shows most Water.org wells/loan proceeds are ultimately lost, as the individual navigates life with unsolved energy and lack of access to basic economic/financial tools. ● Innovate Water.org’s Scope: Once defining clear and unified global standards, practices and reporting transparency on blockchain, eliminating current fiance transparency concerns ○ Microcredit water loans alone do not solve poverty (noted above) ○ Current UN research shows best poverty success advancement includes addressing three important dimensions simultaneously: i. Regular access to clean water/proper sanitation facilities ii. Access to affordable, reliable and sustainable energy iii. Equal access to mobilized banking tools, insurance and microscred lending -- *Gunnar Larson - xNY.io <http://www.xNY.io> | Bank.org <http://Bank.org>* MSc <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&u…> - Digital Currency MBA <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovat…> - Entrepreneurship and Innovation (ip) G(a)xNY.io +1-646-454-9107 New York, New York 10001

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Re: Julian Assange, Rapist?
by professor rat 01 Jun '22

01 Jun '22

The world is moving towards embracing the Swedish model for sexual-assault and rape and that is a good thing, though I personally prefer jury trials to the Inquisitorial model. GEOFFREY "sexual offence for a man to deliberately deceive a partner whose consent has been conditional upon his use of a condom" ROBERTSON The innocent man charged with rape doesn't act like Asshat did and jump-bail. The principled man charged with rape stands down from any responsible position while under that dark cloud - like Asshat didn't - despite advice from the better half of Wikileaks. Then - as I said - why not sue the CSM if you claim they're lying about your rape charge? And ASFAIK this statement still stands JULIAN " Being guilty of aggravated rape has nothing to do with our party" A. Broinowski. Wikileaks Party NSW candidate for au Senate. 2013. Then ' damage to the Au govt ' - give me a fuckin' break! "... Mr Assange agreed that some level of privacy was necessary for the successful operation of the military ..." http://www.abc.net.au/radionational/programs/drive/assange-i-can-rule-from-… JULIAN " ‘[The military] protects the sovereignty of Australia. It protects the independence of Australia.' ASSANGE July, 2013 NONE of Asshats barmy-army has ever dealt with this extraordinary statement of guilt. He's excusing this appalling rape among others https://en.wikipedia.org/wiki/Mahmudiyah_rape_and_killings Rapists - and rape apologists - like this one have all earned killing. Wikileaks apologists GO FUCK YOURSELF

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Serious security bugs put millions of Android devices at risk
by jim bell 31 May '22

31 May '22

Serious security bugs put millions of Android devices at risk https://share.newsbreak.com/16zmkc6s

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Guns of the Patriots
by professor rat 31 May '22

31 May '22

Where smarter solutions are outlawed only dumbfucks will decide matters https://www.washingtonpost.com/technology/2022/05/27/smart-guns-fingerprint… Reposts not etc

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The Graymailers Tale
by professor rat 31 May '22

31 May '22

Must read preview of the next Dashing Durham Denouement https://www.emptywheel.net/2022/05/15/will-kleptocapture-catch-john-durham-… Spoilers of infowar

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Durham is coming
by professor rat 31 May '22

31 May '22

Okay - not so much for Sussman any more but LOOKOUT DANCHENKO! https://twitter.com/charlie_savage/status/1531666318428192768 Repoman no Mauler

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