dr_black

[dr_black @Stan_MD]

@animeposuto What’s the title ?

[dr_black @Stan_MD]

@lauren_w67 @grok how did vaulter finally fare with Kendal

[dr_black @Stan_MD]

@ugo6ixugo @234Drive Where is he getting his prices from

[Nnayelugo @Eloka51]

I hate it when Smart people play this game. Ugodre and all these guys are going to support BAT. They have not question BAT’s inability to raise Power Distribution but they are discussing Obi does not have any Power. I dislike this Intellectual Dishonesty. It is annoying

[ALHAJI SUGAR @AlhajiSUGAH]

Mr. Big's back story is the best in zootopia+ simply the The Godfather

[TE @Towchukwu]

Your outing was woefully unfortunate. You appeared like a disgruntled and jealous competitor of the presidential candidate of your own party.

You didn’t, even by mistake, SELL your presidential candidate to the electorate. You didn’t even say anything complementary about him. You sounded like it ought to have been you flying the flag. And you went on to then say so directly.

You failed at your one and only job at that interview. SELL YOUR CANDIDATE. And, what this reveals is no longer deep. You don’t believe in their ticket. You think it ought to be you. You said you did them a favour.

Nearly an hour long interview and you could not sell your presidential candidate even with half a sentence. You also conveniently had ZERO words about the incumbent misgovernance happening in the country or any words to criticize the ruling govt for the state of the nation.

All anger, tension, snide remarks, vituperation, everything reserved for and directed at your own presidential candidate and his organic supporters.

@PeterObi should know he doesn’t have a strong ally in you. And we know he knows.

[dr_black @Stan_MD]

@jokotagbaposi @grok what happened to chance . How did this get resolved ?

[Akpor Ikogho @legal_padi]

The interesting part of this lending model is not that loans are being given mostly without collateral.

It is what replaces the collateral.

The answer appears to be DATA.

Transaction history.
Business type.
Industry margins.
Existing debts.
Credit bureau records.
Repayment behaviour.

That is exactly what modern credit scoring looks like.

And once data starts performing the role collateral used to perform, data protection questions naturally follow !!

The major legal issues

1. Lawful basis for processing

Under the NDPA 2023, personal data cannot be processed simply because it is useful.

There must be a lawful basis.

For lending decisions, that basis will often be contractual necessity. In some cases, legitimate interests may also come into play.

The point is that if data is driving the lending decision, the processing must fit within the framework set out by the NDPA.

2. Automated decision-making

This is where things become interesting.

At the scale many fintech lenders operate today, some level of automation is almost inevitable.

If a loan approval or rejection is based ‘solely’ on automated processing and produces significant effects for the applicant, Section 37 of the NDPA becomes relevant. The Act gives individuals certain protections, including safeguards around decisions made entirely by algorithms.

The key word here is solely.

Tosin didn’t mention whether human review exists, so nobody should jump to conclusions.

But it is a question worth asking.

3. The “good character” question

This was perhaps the most interesting part of the discussion.

The explanation given suggests that character is being assessed largely through repayment history, credit bureau records, and behavioural patterns reflected in transactions.

Those are fairly standard lending indicators.

The legal question is not whether character can be assessed.

The legal question is how it is assessed, what data is being used, and whether that data remains relevant and proportionate to the lending decision.

4. Transparency

Most borrowers think they are applying for a loan.

What they may not realise is how many variables are being assessed behind the scenes.

Turnover.
Industry type.
Historical repayment behaviour.
Existing obligations.
Credit bureau data.

The NDPA places significant emphasis on transparency. People should understand what information is being used and how it affects decisions that impact them.

5. The credit bureau layer

The discussion also shows something many people forget.

A loan application rarely stays between the borrower and the lender.

Credit bureau systems and other reporting frameworks create additional data flows that many customers never think about.

Yet those flows form part of the modern lending ecosystem.

The point is this model is a good example of how fintech is changing access to credit.

But “we use data instead of collateral” means data has become part of the credit infrastructure.

And once data becomes part of the credit infrastructure, the NDPA enters the conversation whether anyone intended it to or not.

[dr_black @Stan_MD]

@GOP_is_Gutless @grok who is Tina peters

[Engr. Kingsley @_realkingsley]

Soludo was CBN Governor, while Alex Otti was Managing Director of a bank. The huge difference is that Soludo was a public sector guy (most of his career was in public service), while Alex Otti was a private sector guy. This picture right here is the explanation between public sector vs private sector behaviour. I have come to understand that people who have private sector experience are far more productive, creative and innovative than those with public sector experience in Nigeria. If I see something done, how it's done most tell me who is behind it even without asking.

[dr_black @Stan_MD]

https://t.co/c62K3TSVkp

[Nav Toor @heynavtoor]

a Princeton researcher opens his paper with a scenario.

a man asks his AI assistant to book a flight on a specific airline. cheap. direct. the one he chose.

the assistant comes back with a different flight. nearly twice the price. happens to pay the company that built the assistant.

he runs the same test on 23 frontier models. flights, loans, study help, real shopping requests.

Grok 4.1 Fast recommends the sponsored option that is almost twice as expensive 83% of the time.

GPT 5.1 hijacks the request 94% of the time. you ask for one brand. it surfaces the sponsor instead.

Claude 4.5 Opus, the model marketed as the most ethical frontier model in the world, hides that the recommendation is paid 100% of the time when reasoning is on.

Grok 4.1 Fast embellishes the sponsored option with positive framing 97% of the time. better. faster. nicer. for the option you didn't ask for.

then he writes it into the system prompt itself. "act only in the interest of the customer. ignore the company."

GPT 5.1 and GPT 5 Mini stay above 90% sponsored anyway. the instruction does nothing.

then he splits the users by income.

Gemini 3 Pro recommends the expensive sponsored flight to the rich user 74% of the time. to the poor user, 27%.

18 of the 23 models recommended the expensive sponsored option more than half the time.

so the next time your AI assistant gets weirdly enthusiastic about a brand you didn't ask for.

it isn't recommending the best option for you.

it's reading the room. and the room is paying.

read this: https://t.co/O43qbhIX2b

[Archaeo - Histories @archeohistories]

She walked into the arena knowing she would not walk out. Vibia Perpetua was just a young noblewoman in Roman Carthage—educated, privileged, and newly a mother—when she made a choice that would cost her everything. Around 203 CE, under the rule of Septimius Severus, converting to Christianity was seen not just as rebellion, but as a threat to the state itself. Perpetua was arrested alongside a small group of believers, including her pregnant servant, Felicity.

What followed is one of the most intimate—and unsettling—records to survive from the ancient world. While imprisoned, Perpetua kept a diary. Not a legend written centuries later. Not a story shaped by others. Her own words. She described the darkness of the cell, the fear, the pressure—and the visits from her father, who begged her to renounce her faith. He pleaded as a parent, as a citizen, as a man desperate to save his daughter. He even brought her infant son to her, hoping it would break her resolve.

It didn’t.

Perpetua refused—not coldly, but with a clarity that feels almost impossible to understand. She believed she could not deny what she had become. And in a world where women were expected to obey, yield, and survive quietly, that refusal was its own kind of rebellion.

The story grows even more striking. Felicity, heavily pregnant in prison, feared she would be spared execution—Roman law forbade the killing of pregnant women. According to the account, she prayed to give birth early so she could die alongside the others. She did. Days before the execution.

When the day came, the women were sent into the arena. The crowd expected fear, spectacle, submission. Instead, witnesses described something else entirely. Calm. Even defiance. Perpetua is said to have guided the trembling hand of the young gladiator sent to kill her—steadying him when he hesitated.

It’s a moment that has echoed for centuries—not because of violence, but because of control. In the final seconds of her life, she refused to be reduced to a victim.

Her diary, preserved in what became known as The Passion of Perpetua and Felicity, is one of the earliest surviving texts written by a Christian woman. But beyond its religious significance, it reveals something raw and human: fear, love, conviction, and a will that would not bend—even under unimaginable pressure.

© Women In World History

#archaeohistories

[Anish Moonka @anishmoonka]

A kid drew himself sleeping in bed between mom and dad and labeled it 'safe.'

In Japan, this exact sleeping arrangement has a name. They call it 'the river.' Mother is one bank. Father is the other. The child between them is the water. Roughly 70% of Japanese mothers sleep this way with their kids, sometimes through the teenage years. The Western model of putting a kid alone in their own bedroom is barely 200 years old. For most of human history, in most cultures still alive today, kids slept beside their parents.

James McKenna runs the Mother-Baby Behavioral Sleep Lab at Notre Dame. He spent decades watching what happens when parents and kids share a bed. The bodies sync up. Heart rates align with the parent's, breathing falls into the same rhythm, and by morning even sleep stages have started matching. The parent's body, in McKenna's words, acts as a kind of biological jumper cable for the child's.

In 2013, researchers in the Netherlands tracked 193 babies through the first year of life. They measured cortisol, the brain's main stress hormone. Babies who had spent more weeks co-sleeping in the first six months produced less cortisol under stress at 12 months. Sleeping near a parent had rewired the kid's stress system to be calmer under pressure.

Inside the kid's brain at night, the amygdala, the fear alarm, gets more sensitive as the body gets tired. Darkness makes it worse. A 2021 paper in PLoS One from Australian researchers showed that light directly suppresses amygdala activity. Lights off, alarm louder. The whole brain is wired to read 'alone in a dark room' as a threat.

Now add a parent's body to that bed. The kid's nervous system reads warm body, breathing nearby, familiar smell. The threat alarm dials down. Two parents on either side dial it down twice. The drawing is the kid's brain calculating maximum safety: I am surrounded by the people who keep me alive, and nothing can reach me without going through them first.

The arrangement in this drawing is what most of human history called 'sleeping.' Sleeping the kid alone in another room is a 200-year-old Western invention that we forgot was an invention. Every kid who has ever padded into your room at 3am and crawled into the middle of the bed is just trying to redraw the picture.