#letters from max

[its-flame-art]

“wait a minute. wait a minute, Doc. ah... are you telling me that you built a time machine...out of a DeLorean?”

#wow! this took forever! #im so sorry lol #and i missed all the opportunities to post this on one of the important bttf dates :’) #i mean…november 13th is the day that young Doc reads the letter that he wrote to marty from 70 years in the past….so theres that lol #anyway heres another scene form my bttf x goofy au :D #introducing…. #*drumroll* #Ludwig von Drake as Doc Brown! #really happy with how this one turned out! #especially the background…probably the most effort ive ever put into one jdhfghjdg #tumblr quality is kinda meh but hopefully you can still enjoy it ^^ #if anyone has any other scenes they want me to draw… 👀 #a goofy movie #back to the future #back to a very goofy future au #ludwig von drake #max goof #marty mcfly #doc brown #bttf #bttf au #digital drawing #bttf art #disney art

[the-cat-and-the-birdie]

Crimes against humanity: Calling Miguel O'Hara a 'boomer' despite the fact he was born fifty years after any of the people reading this.

Crime against humanity 2: Forgetting that HOBIE is the ACTUAL boomer in this situation and he is technically 'older' by birth year.

#do you know what a boomer is ALSO HE'S LIKE 30 #HE'S FROM 2099 FOR CRYING OUT LOUD AND HE'S LIKE 36 MAX #HE WAS PROBABLY BORN LIKE 2063 #He's Gen Sigma or Delta or something #idk them Greek ass sorority letters #spiderman #atsv #spider man #marvel #across the spiderverse #hobie brown #spider punk #spiderpunk #miguel o'hara #miguel ohara

[cr-nack]

I love it when shows add personal touches like this

#a league of their own #chante adams #max chapman #aloto #and I know Toni only wanted to give max those family letters to deter her from baseball and I get why she chose not to take them #but the family historian in me was so nosy because I love black history in my own family tree

[hawkeyeslaughter]

gonna start doing posts like fakeseinfeldplots except it’s fake mash plots and here’s my first one

“ the mr . and mrs . burns “ — trapper and hawkeye start sending frank phony letters when they find a stash of letters frank has saved from his wife and learn how to copy her penmanship . margaret reluctantly ( and tipsily ) seeks out klinger’s fashion advice to make herself more appealing when she notices frank acting stranger than usual .

#i have soooo many of these sitting in my drafts oopsie #what do hawk and trap write in the letters from mrs . burns ? idk . its none of my business #mash #m*a*s*h #mashposting #mash 4077 #mashblr #hawkeye pierce #hawkeye #trapper john mcintyre #trapper john #john mcintyre #trapper mcintyre #hawktrap #traphawk #piercintyre #piercentyre #frank burns #margaret houlihan #max klinger #maxwell klinger #lgbt #lgbtq

[sweeturis]

where was the scene where noah had to be “harnessed up”? where was the scene with lucas, mike, and will wearing winter jackets? where was lonnie, since his car was in the california poster? where was kali and her gang, since they’ve been seen in bts pics? where was the mike finn described, who was “trying to be as normal as possible and keep on a normal path” and “might be into some new things”?

i am genuinely so confused. it’s like they cut out half the scenes they filmed.

#some shit is just bad writing like max’s letters never being brought up again or the reason for mike being distant from will and not being- #-able to hug him not being explored. but some stuff was just genuinely confusing ?? #maybe they’ve already started filming season 5 (and the finn stuff is because he didn’t know what stuff they shot would be in what season) #but that doesn’t explain why lonnie’s car was in the california poster #stranger things #stranger things spoilers #lucas sinclair #mike wheeler #will byers #kali prasad #byler #mine #mine: stranger things #stranger things 4 #st4

[starship-buccaneer]

Steve: Well yeah, Eddie flirts with me constantly and touches me all the time and I do it back and everything, but we're just two guys horsin' around, y'know?

Everyone: No Steve. We do not know.

Steve: Yeah, Eddie's fruity with me, so what? Just because I'm a guy and he likes guys doesn't automatically mean he's into me. He's just comfortable being himself with me!

Everyone: Steve. He's sitting in your lap, playing with your hair. He calls you pretty boy, Steve. He's wearing your sweater, Steve. Steve, please.

#steddie #this is essentially the plot of the fic im writing #steve has-never-had-a-healthy-male- friendship harrington assumes that his friendship with eddie is what good normal male frienship is #everyone else watches on in abject misery as steves obliviousness reaches unbelievable new heights #steve briefly wonders where his interest in pursuing a romantic relationship has gone #then immediately comes to the wrong conclusion that he's simply transcended romance through the power of friendship #meanwhile eddie is tragically pining after a man who could not act more like his boyfriend but is tragically stupid #robin has become the conspiracy board meme from its always sunny #her board has IS STEVE BISEXUAL in big bold serial killer cutout letters on it. theres red string connecting pictures of him and eddie #and also him and bruce springsteen #its all very scientific #dustin and max add to it sometimes #steve harrington #eddie munson #steve harrington x eddie munson #stranger things

[lindadarnell]

LETTER FROM AN UNKNOWN WOMAN 1948 | Max Ophüls

#letter from an unknown woman #henricavyll #usermichi #uservita #usergina #userdeforest #ceremonial #classicfilmblr #max ophüls #~ #lfauw*

[jasontoddssuper]

I started off making a Ben 10 self-insert to be the malegirlboss to Kevin's malewife but it spiraled into me and my friend @honeypotsworld deciding to start rewritting a good chunk of the franchise to fix it soooooooooo look forward to that y'all!!!Tism be upon ye

#ben 10 #alien force #omniverse #kevin levin #solana cristalina #< is the self-insert's name #ben tennyson #gwen tennyson #kai green #rook blonko #ester omniverse #julie yamamoto #albedo tennyson #max tennyson #benrook #gwenkaiter #julie deserves better #good times #real self shipping hours #letters from summer #kelana

[dreaminginthedeepsouth]

Max Gustafson

* * * *

LETTERS FROM AN AMERICAN

March 12, 2023

Heather Cox Richardson

At 6:15 this evening, Secretary of the Treasury Janet L. Yellen, Federal Reserve Board Chair Jerome H. Powell, and Federal Deposit Insurance Corporation (FDIC) Chairman Martin J. Gruenberg announced that Secretary Yellen has signed off on measures to enable the FDIC to fully protect everyone who had money in Silicon Valley Bank, Santa Clara, California, and Signature Bank, New York. They will have access to all of their money starting Monday, March 13. None of the losses associated with this resolution, the statement said, “will be borne by the taxpayer.”

But, it continued, “Shareholders and certain unsecured debtholders will not be protected. Senior management has also been removed. Any losses to the Deposit Insurance Fund to support uninsured depositors will be recovered by a special assessment on banks, as required by law.”

The statement ended by assuring Americans that “the U.S. banking system remains resilient and on a solid foundation, in large part due to reforms that were made after the financial crisis that ensured better safeguards for the banking industry. Those reforms combined with today's actions demonstrate our commitment to take the necessary steps to ensure that depositors' savings remain safe.”

It’s been quite a weekend.

On Friday, Silicon Valley Bank (SVB) failed in the largest bank failure since 2008. At the end of December 2022, SVB appears to have had about $209 billion in total assets and about $175 billion in deposits. This made SVB the sixteenth largest bank in the U.S., big in its sector but small compared with the more than $3 trillion JPMorgan Chase. This is the first bank failure of the Biden presidency (while Donald Trump Jr. tweeted that he had not heard of any bank failures during his father’s presidency, there were sixteen, eight of which happened before the pandemic). In fact, generally, a few banks fail every year; it is an oddity that none failed in 2021 or 2022.

The failure of SVB created shock waves for three reasons. First, SVB was the major bank for technology start-ups, so it involved much of a single sector of the economy. Second, only about $8 billion of the $173 billion worth of deposits in SVB were less than the $250,000 that the FDIC insures, meaning that the companies who had made those deposits might not get their money back quickly and thus might not be able to make payrolls, sparking a larger crisis. Third, there was concern that the problems that plagued SVB might cause other banks to fail, as well.

What seems to have happened, though, appears to be specific to SVB. Bloomberg’s Matt Levine explained it most clearly:

As the bank for start-ups, which have a lot of cash from investors and the initial public offering of stock, SVB had lots of deposits. But start-up companies don’t need much in the way of loans because they’ve just gotten so much cash and they don’t yet have fixed assets. So, rather than balancing deposits with loans that fluctuate with interest rates and thus keep a bank on an even keel, SVB’s directors took a gamble that the Federal Reserve would not raise interest rates. They invested in long-term Treasury bonds that paid better interest rates than short-term securities. But when, in fact, interest rates went up, the value of those long-term bonds sank.  

For most banks, higher interest rates are good news because they can charge more for loans. But for SVB, they hurt.

Then, because SVB concentrated on start-ups, they had another problem. Start-ups are also hurt by rising interest rates because they tend to promise to deliver returns in the long term, which is fine so long as interest rates stay steadily low, as they have been now for years. But as interest rates go up, investors tend to like faster returns than most start-ups can deliver. They take their money to places that are going to see returns sooner. For SVB, that meant their depositors began to need some of that money they had dumped into the bank and started to withdraw their deposits.

So SVB sold securities at a loss to cover those deposits. Other investors panicked as they saw SVB selling at a loss and losing deposits, and they, too, started yanking their money out of the bank, collapsing it. Banks that have a more diverse client base are less likely to lose everyone all at once.

The FDIC took control of the bank on Friday. On Sunday, regulators also shut down Signature Bank, based in New York, which was a major bank for the cryptocurrency industry. Another crypto-friendly bank, Silvergate, failed last week.

Congress created the FDIC under the Banking Act of 1933 to restore trust in the American banking system after more than a third of U.S. banks failed after the Great Crash of 1929, sparking runs on banks as depositors rushed to take out their money whenever rumors suggested a bank was in trouble, thus causing more failures. The FDIC is an independent agency that insures deposits, examines and supervises banks to make sure they’re healthy, and manages the fallout when they’re not. The FDIC is backed by the full faith and credit of the government, but it is not funded by the government. Member banks pay insurance dues to cover bank failures, and when that isn’t enough money, the FDIC can borrow from the federal government or issue debt.

Over the weekend, the crisis at SVB became a larger argument over the role of government in the protection of the economy. Tech leaders took to social media to insist that the government must cover all the deposits in the failed bank, not just the ones covered under FDIC. They warned that the companies whose deposits were uninsured would fail, taking down the rest of the economy with them.

Others noted that the very men who were arguing the government should protect all the depositors’ money, not just that protected under the FDIC, have been vocal in opposing both government regulation of their industry and government relief for student loan debt, suggesting that they hate government action…except for themselves. They also pointed out that in 2018, under Trump, Congress weakened government regulations for banks like SVB and that SVB’s president had been a leading advocate for weakening those regulations. Had those regulations been in place, they argue, SVB would have remained solvent.

It appears that Yellen, Powell, and Gruenberg, in consultation with the president (as required), concluded that the collapse of SVB and Signature Bank was a systemic threat to the nation’s whole financial system, or perhaps they concluded that the panic over that collapse—which is a different thing than the collapse itself—was a threat to the nation’s financial system. They apparently decided to backstop the banks to prevent more damage. But they are eager to remind people that they are not using taxpayer money to shore up a poorly managed bank.

Right now, this appears to leave us with two takeaways. The Biden administration had been considering tightening the banking regulations that were loosened under Trump, and it seems likely that the need for the federal government to step in to protect the depositors at SVB and Signature Bank will make it much harder for those opposed to regulation to keep that from happening. There will likely be increased pressure on the Biden administration to guard against helping out the wealthy and corporations rather than ordinary Americans.

And, perhaps even more important, the weekend of panic and fear over the collapse of just one major bank should make it clear that the Republicans’ threat to default on the U.S. debt, thus pulling the rug out from under the entire U.S. economy unless they get their way, is simply unthinkable.

LETTERS FROM AN AMERICAN

HEATHER COX RICHARDSON

#Finance #the economy #Heather Cox Richardson #Letters From An American #Banking regulation #bank collapse #bank failure #Max Gustafson #debt #student loan debt #venture capitalists

[youaremysunshine-court]

I just finished this is how you lose the time war and I sobbed through the entire last 50 pages of that book no other book has affected me like this I love it I am going to be insufferable about it for months

#this is how you lose the time war #amal el mohtar #max gladstone #this book is barely 150 pages long i cried through a good third of this book #not even like sadness no it was full on waterworks from that one letter onwards #everytime i thought oh im going to stop crying here something else happened and i started crying harder #even the last letter Ended me #and they both have such a way with words i love the way this book is written i am Envious

[sinners-go-to-drink-the-wine]

there's so much jake smut on the dash, yall I'm staggering around my work in a daze Y'ALL CHILL 😭

#MAX YOU ESPECIALLY #letters from the author

[givehimthemedicine]

just a ramble of thoughts on El's kinda dicky moments this season ("I want today to be about you and me" right in front of Will, rejecting Mike's identifying with being bullied):

El doesn't really have the social experience to always realize how the others have traumas they're processing too, and that her way of going through hers can have an impact on them.

or theirs on her. she doesn't realize Mike's behavior towards her is in fact the impact of Mike going through it, but a different "it".

you know how there's a certain moment growing up where you have that realization that, ohh wait, so everyone else is the main character in their own story, like I am mine? El's around the age for that, but she's still a big step behind, still also in the process of realizing that she even is her own main character.

while she's naturally empathetic and loving, the til-recently-only-memorable part of El's upbringing really gave her no experience in like… not being the center of attention, or having to perceive others' emotions. NOT that "being the center of attention" in the lab was ever a good thing, or resulted in her feelings being valued or anything like that.

yet while she was the sole focus of the lab, SHE was never important or had any agency. even once she was the only number, she was still just a number. a prop in someone else's story.

it's gotta leave her with this weird "I'm at the center of everything but also I don't matter at all" perception of herself.

which is how she's selfless in big ways (helped find Will at her own expense, ready to die to save them all from the demogorgon, saves the world every so often, etc), but then also has these little moments that come off pretty self-regarding in her treatment of Will and Mike. it has a lot more to do with being severely developmentally behind than knowingly being an asshole. I think the others (for sure someone as perceptive as Will) know to account for that, but it still must sting sometimes.

I think this scene is something important for El -

hearing Max's trauma dump was the first time she's ever listened to one of her friends speak at length about their feelings. I'm sure she would have listened to any of her friends any time, but no one ever really opened up like that (and Max still isn't opening up to her here). maybe especially no one tries to confide in El because they either think they shouldn't because she Has It Worse, or that she wouldn't get it.

but El does get it. Max doesn't use the word "monster," but that's kinda what she thinks of herself. she thinks she did something unforgivable. El's fresh off getting some closure on her own monster arc and then turns around and finds out Max has been struggling all this time with something similar.

seeing her best friend cry and hearing her actually talk about her darkest feelings - ones not so different from El's own - idk I think that's gotta be a big moment for El in her perception of other people

#eleven #character analysis #mine #long post #kinda off topic but i'm obsessed with the way they showed el's reaction during the part about how max just stood there and watched #that's like half of why i wrote do not cry btw #el cant not have one edgelord brain cell that's going 'if you didn't help billy bc you thought he deserved it why did you also not help me' #anyway #I know the Hopper letter had feelings too but she didn't actually see him or hear it read in his voice that was just us #and it coming from your BFF hits different

[theinfinitedivides]

Inkigayo full Jungle choreo............................ i have been blessed. this is a birthday present for me

#tvxq #dbsk #tvxq yunho #tvxq changmin #yunho #jung yunho #uknow #changmin #max changmin #shim changmin #other than the way Changmin had sunglasses strapped to his bicep for like. no good reason whatsoever except the stylist #decided it was a good idea (no. no it was not pls do not do that again). ignoring that. Yunho's live vocals here said 'SEX' #in big bold blaring letters like his voice on '찾지 마 safe zone / 다쳐도 get up / 기댈 곳도 없는 이 현실에 나를 던져'???????? #hello?????????? i melted into a puddle of nothingness in my office chair Jung Yunho istfg #do not get me started on the sliver of skin we got from the back for him or you will never hear from me again sorry

[whatever-you-can-give-me]

i totally understand why they didn't, but it does kind of strike me as a missed opportunity that trigun stampede revealed wolfwood's allegiances right away instead of holding onto it a little longer like they did the various reveals about vash.

trigun 98's wolfwood is almost entirely a consequence of metatextual/production factors (which is why it's weird that he's basically The One True Wolfwood in fanon content, but i digress) but one of the truly inspired things exclusive to him is the fact that we don't find out that he's a traitor until the same episode that he dies.

it retroactively reframes his entire relationship with the rest of the cast, especially his reappearance after fifth moon, and it's a realization that we have no time to sit with and that none of the surviving characters actually get to reflect on, because they don't actually know the way the audience does, and also wolfwood is dead. so why discuss it. it leaves the audience with the sense that this is almost kinder, for wolfwood to die rather than needing to painstakingly unravel his friendships from the foundations, and only maybe build them back up. — and certainly the sense that wolfwood thought so.

it's such a knife-twist of tragedy that's basically impossible to recreate in adaptation because only the format of 98 supported that kind of relationship-focused slowburn. i think stampede could have pulled off something similar, waiting until july to fully reveal what wolfwood had been up to, explaining his erratic behavior (walking into the trap that was zazie's whole setup, his reaction to rollo and livio....) and then revealing (as it's at the very least implied in canon) that vash saw through his shit from the beginning, and trusted him anyway.

#trigun meta #kinda. i was just thinking about how 98 has insane emotional heft #that is entirely bespoke because it had to rely mostly on its characters for tension given the plot was so loosely established #it's so fascinating and i love it. and stampede is clearly a love letter to both it and the manga #and i think they should have taken More cues from it. but i see how that + the hard sci fi angle + the plot of max would be. hard. #we got the birthday gag realized i'm counting that as a win

[levana-stark]

I got a bit carried away and it turned into a love letter to the RB19 🙈

But I hope you enjoy anyways.

#maria trying their hand at fanfictions #max verstappen #Technopath!Max story #rb19 #This *is* a love letter for this car #Because I wrote it from Max Pov

[ugh-yoongi]

health insurance in the us has gotta be top 3 biggest scams of all time

#got a letter from my insurance company last week saying they're denying my claim for genetic testing #despite me meeting all of the requirements #ig my gynecologist gave them hell because i got another letter today saying they're 'pleased to inform me' they'll be covering it after all #the out of pocket cost for the bloodwork would've been $250 max #which i'm assuming is cheaper than treating cancer but what do i know