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ryskey

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Everything posted by ryskey

  1. I hope this doesn't mean Ja'Tavion Sanders, Jahdae Barron, Jake Majors, and Jaydon Chatman are going to transfer.
  2. 3 yards and a cloud of angel dust
  3. https://www.texastech.edu/board-of-regents/bio-campbell.php Also, Permian Basin. Edit: you caught it before I posted, good on ya
  4. QE also stands for quantitative easing. I'm not sure what that means but I'm certain it's significant. He just looks uncomfortable. Still. When he looked good last year, he had kind of a Manziel energy of I'M MILDLY OUT OF SHAPE AND PROBABLY DRANK TOO MUCH LAST NIGHT AND I DIDN'T WATCH ANY FILM BUT I HAVE A MULLET AND F YOU MM looks comfortable and confident. I'm not sure he's a better option but body language was much better.
  5. Texas 69 Bama 0 Bama 69 yards offense Texas 420 yards of offense Only 8008 Bama fans left in the stadium at the end of the game
  6. Unless I'm mistaken, the Danube is considered international waters and countries do not need to give permission to transit through if the ship isn't docking at a port in that country. So legally, this isn't a problem. A ship can move between Romania and Croatia without involving Serbia. Practically, that part of Croatia is sparsely populated with little industry, and I don't think there are any sizable ports on the Danube. The Sava is a tributary that meets up in Belgrade and upriver forms the southern border of Croatia with Bosnia (the confluence of the Sava and the Danube has bars on barges everywhere and is one of the best party scenes in Europe), and in theory that could be used to get further into Croatia, but I don't think it's wide or deep enough to handle big grain ships. About the same size as Lady Bird Lake. Croatia idea sounds cool but probably not likely to have an impact.
  7. Putin: Regions can form their own armies, we will help pay for it Tatarstan: Ok cool [1 year later] Putin: Ok, dissolve your army Tatarstan: lol no
  8. WTF everyone knows it was the Germans except for that dumb teenager apparently
  9. Corrected my question per above shitpost. Previous year's win/loss margin probably isn't predictive at all for the next year, depends on who returned from that team.
  10. If you were to regress our final ranking for each of those years with one metric, which one is the most predictive?
  11. It's because we all started arguing on the internet instead
  12. That was the prototypical Southern exclamation of "got damn"
  13. 6ks thru 4 innings today. 11 yesterday. Clearly TSU is a pipeline of Sandy Koufaxes
  14. With the spring game this weekend, I clicked on the thread called 2023 Spring Practice to Fall Camp Thread hoping to see some player updates, how the early enrollees are doing, and maybe some speculation on how the staff will adjust after the losses to the draft/graduation. Last 2 pages =
  15. Dude had to have known that was a big risk. Ignored dozens of warnings to GTFO.
  16. 15 LOB. On one hand, that's a lot of base runners. On the other hand, that's pretty horrible. Top half of the order 12-22 with 5 LOB. Bottom half 3-19 with 10 LOB.
  17. Top of the order 10-18 with 3 LOB, bottom of the order 2-15 with 8 LOB
  18. Weirdest Elite 8 ever for conference representation too Big 12 - 2 Big East - 2 ACC - 1 Mountain West - 1 CUSA - 1 WCC - 1
  19. 100% it was hard to underwrite COVID, but where does one draw the line? Every industry was impacted by COVID. Refinancing here is only a problem if the outstanding loan amount is greater than the property value. That only happens when you buy a property in a bubble and put a ton of debt on it. There has to have been a huge (50%?) write down for some of the property values, depending on how much debt was used to finance all this. Regardless of whether underwriting standards were normal at the time of issuance, they clearly did not incorporate an interest rate sensitivity, and I'm not sure we should feel bad for CRE investors who've lost all their equity because they assumed low interest rates forever. And unfortunately the bank is the bagholder on the negative equity value - shouldn't banks that made a lot of bad loans go under? Individuals and households probably shouldn't be expected to do that, but CRE investors and banks doing CRE loans should be sophisticated enough to do that. Do you know how much of those loans are under water? If it's as widespread as the tweeter is saying then yes this is a problem. I'm bitter because there are lots of businesses that planned well, didn't use a lot of leverage, properly stress-tested their businesses, and aren't asking for help.
  20. Another example of temporary ZIRP - created bubbles wanting to extend the bubble, at least long enough to find a bagholder. Maybe, MAYBE, when underwriting a real estate investment involving lots of debt, run a sensitivity analysis on the most important variable?
  21. Had no idea OU had more tourney wins than UT. They've done well since joining the B12 but looks like they did really well in the 80s. Same for KSU. They were apparently a powerhouse in the 60s and 70s.
  22. They had some bad luck AND they did a lot of things horribly wrong. And lot of that bad luck was their own creation - their depositors were hyper-concentrated in in the most volatile part of the most volatile sector in the economy.
  23. Yes. Agreed that it's crippling to have ~15% of deposits drawn in 2 days. Panic and self-fulfilling prophecy is difficult to stress test against. But that's assuming a bank has reasonably hedged its risk. How much of the panic was from big depositors that had the wherewithal to understand interest rate hedging and how interest rates affect the underlying value of the treasuries in a rising interest rate environment? Even if it's a small percentage, that might have been enough to exacerbate the run to critical levels. It's inexcusable to run any non-speculative business - especially one this size - without addressing the single biggest risk factor in its continued success. Hedge fund wants to take that position - that's fine - LPs' dollars are locked up and presumably able to lose everything. But a commercial bank with $250B of depsosits? That's insane. The incompetence with SVB is staggering, regardless of whether it was kosher with regulations. Where's the common sense? Interest rate swaps matching some percentage of the debt, with the same tenors. Those unrealized hedges carry MTM value and can be liquidated quickly, in theory offsetting the loss on selling treasuries before maturity 1:1. Unless there's some Byzantine regulation I'm unaware of (and please correct me if I'm off here), why was this not done?
  24. By scoring more points than the other team.
  25. Watch, ISU gonna win this
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