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Bert Carpenter opens the session by explaining why this class exists: many loan officers unintentionally create pricing or compensation violations simply because they do not fully understand how NEXA’s Non-Delegated / NEXA100 model differs from traditional broker or correspondent structures. This webinar is designed to eliminate confusion, protect loan officers from compliance issues, and help them maximize profitability while staying within LO Comp rules. He emphasizes that NEXA’s structure is
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REFRESH, running from October 2—5, 2025, deals with the intersection of Arts, Design & Technology. Under the theme «Futures of Uncertainties», the sixth edition of the festival – featuring keynotes, exhibitions, masterclasses, screenings and performances – will bring together designers, artists, and researchers from Switzerland and abroad to explore possible futures for design and the arts. REFRESH is primarily devoted to the topics «Algorithmic Entanglements», «Liminal Bodies», «Worldbuilding», «Immersive Journalism», and «Technobiological Futures / New Ecologies». The line-up underlines the important role of creative practitioners in our challenging socio-political time. REFRESH is a collaboration between the Department of Design and the Immersive Arts Space of the Zurich University of the Arts (ZHdK). TEAM Head of REFRESH Prof. Dr. Chris Salter Maike Thies Curation Maike Thies Identity / Motion Design Abhash Mittal Scenography Stephan Wespi Technical Manager Stefan Kraft Hospitality Management Leonie Blasi Katrin Siegel Support Event Management Andalus Liniger Katrin Siegel Communication & Public Relations Maike Thies Anna Tschopp PARTNERS REFRESH is supported by the following partners: artists-in-labs program Center for Responsible AI (DIZH) FREITAG HAU Hebbel am Ufer International Festival for Animated Film Fantoche Swissnex in Boston & New York Swissnex in San Francisco SPECIAL THANKS TO Prof. Dr. Chris Salter Corina Zuberbühler Prof. Marijke Hogenboom Prof. Hansuli Matter Prof. Dr. Anna Lisa Martin-Niedecken Ivana Kvesić
Kristie Reeter, host of News 12's Be Well, host Hot Toys. This special program is a half hour long show about the newest and most popular toys parents should be on the look out for to give to their kids. She talks with insiders and industry experts about when the hottest toys release, the best deals to find for them, and how to shop for your child. This is the holiday edition of Hot Toys. Kristie talks about the best toys to gift to your kids for the holidays season. She goes over what each type of toy can bring to your life from toys for that teach, the best toys under 20 dollars, family friendly games, and so much more.
Kristie Reeter, host of News 12's Be Well, host Hot Toys. This special program is a half hour long show about the newest and most popular toys parents should be on the look out for to give to their kids. She talks with insiders and industry experts about when the hottest toys release, the best deals to find for them, and how to shop for your child. This is the summer edition of Hot Toys. Kristie goes over the best toys for spending time outdoors and for keeping you cool on those hot summer days. She even previews the toys to keep an eye on for when the holidays come around.
This training introduced the New BDM (Business Development Manager) Collaboration Model at NEXA, outlining how Loan Officers can legally, compliantly, and profitably leverage part-time W2 Business Development Managers to expand their production. The session covered: What a BDM is (and is not) Compliance guardrails (RESPA, documentation, W2 structure) Compensation models (flat bips, tiered, flat fee) Payroll flow and 5-bip management fee Tech fee structure and 90-day incentive Onboarding process via LoanOfficerSupport.com Documentation in ARIVE and LendingPad University LO special rules Recruiting and downline structure Extensive live Q&A 1. What Is a BDM? A BDM (Business Development Manager) is: A part-time W2 employee of NEXA A non-licensed originator A marketing representative for a specific Loan Officer Responsible for generating business through marketing efforts NOT allowed to originate loans Important Restrictions: Cannot be a licensed LO Must be 18+ Must have a GED or diploma Must pass background and credit check Program NOT available in: Arizona Puerto Rico (Due to state employment law constraints) 2. What Can a BDM Do? A BDM can perform marketing activities, including: Social media promotion Community event participation Realtor office presentations Charity events Email/text campaigns Hosting events (e.g., Topgolf events) Influencer marketing Promoting co-branded materials They are paid for documented marketing activity, NOT referrals. 3. Compliance Guardrails (RESPA Protection) The program remains compliant because: ✔ BDMs are W2 employees ✔ They are paid for marketing activity, not referrals ✔ They complete a monthly activity form ✔ Supporting documentation is required ✔ All records are stored for audit Failure to submit documentation = no payment. This documentation and W2 structure is what prevents RESPA violations. 4. Monthly Activity Form BDMs must complete a simple monthly form including: Name Scope of work (checklist format) Description of activity Frequency/dates Supporting documentation (screenshots, texts, posts, etc.) The bottom half is internal use only. Form takes approximately 30 seconds to complete. 5. Compensation Models BDMs can be paid several ways: A. Standard Flat Bips Example: 25 bips per closed loan B. Tiered Bips Example: Loans 1–3: 20 bips Loans 4–6: 30 bips C. Flat Dollar Amount Example: $200 per closed deal D. Tiered Flat Fee Recommended by Karen: Keep it simple. Flat bips structure works best. 6. Example Compensation Breakdown Example Scenario: Loan Amount: $300,000 Pricing: 275 bips Broker Compensation: $8,250 Operational cost (25 bips): $750 Remaining: $7,500 12% company cap: $900 Remaining: $6,600 BDM comp (25 bips): $750 BDM Team fee (5 bips): $150 LO keeps: $5,700 (pre-tax) Note: The 25 bips BDM example was coincidence — BDM comp can be any agreed number. 7. 5-Bip BDM Team Fee Every BDM-generated loan includes: 5 bips paid to Karen’s BDM management team This covers: Form distribution Collection Compliance tracking CRM storage Payroll coordination Audit protection This 5 bips applies ONLY to loans sourced by a BDM. 8. Tech Fee Structure & 90-Day Incentive BDMs must pay a tech fee (Google Suite, LOS access, payroll systems). However: If a BDM closes a loan → They receive the next 90 days tech-fee-free. If they close one loan per month → They effectively avoid tech fees long-term. LOs may also choose to cover tech fees from Growth & Marketing ledger. 9. University LO Special Rules If a University LO hires a BDM: Must price loans at 275 bips Must pay BDM 25 bips Must honor University split Must attend required training After graduation, comp can be renegotiated Warning: Be careful not to over-layer splits and accidentally work for nothing. 10. How Loans Are Tagged (Critical) In ARIVE: Loan Center → Edit → Notes for Payroll Add: “BDM Lead – [BDM Name]” In LendingPad: Conversation Log → Custom Fields Add: “BDM Lead – [BDM Name]” This triggers payroll to pay: LO BDM 5-bip BDM team fee 11. Onboarding Process Step 1: BDM attends BDM training call Step 2: LO completes Yellow “New Recruit” button in LOS Step 3: Review W2 Agreement Step 4: Review 1099 Recruiter Agreement (if applicable) Step 5: Submit onboarding through LOS Skipping the yellow button causes major onboarding delays. 12. Recruiting & Downlines BDMs: Can recruit licensed LOs Are placed in LO’s second downline Follow same rules as LOs Cannot stack non-producing BDMs under non-producers Encouraged to recruit. 13. Real-World Results Shared Since October onboarding: Over $2M in BDM-generated volume 9 different BDMs already paid One young influencer: 4 closed deals Mixed bag of BDM types (Realtors, influencer, roofer, marketers)
Watch the Eby Generation Grain Trailer getting the tubs filled and moving out during fall harvest. See it in real field conditions, then take a closer look at the details that set it apart. Built from all aluminum and engineered for strength and weight savings, the Generation delivers smooth unloading, durable construction, and industry leading standard features. Available in 34’, 40’, 42’, and 50’ lengths with multiple tub, trap, and clearance configurations, it offers the flexibility serious producers and commercial haulers demand. Learn more at www.mheby.com/generation-grain-trailer Find your nearest Eby Authorized Dealer at www.mheby.com/find-a-dealer Like and subscribe for the latest updates from Eby. About M.H. Eby Inc. Since 1938, M.H. Eby has designed and built all aluminum trailers and truck bodies for agricultural and commercial markets. With multiple manufacturing plants and sales and service locations across the U.S., Eby supports customers through a strong dealer network throughout North America.
I'm Tim. I speak German, English, French, Turkish, and Chinese.<p>I learned Turkish with lairner itself -- after I built it. That's the best proof I can give you that this thing actually works.<p>The other four I learned the hard way: talking to people, making mistakes, reading things I actually cared about, and being surrounded by the language until my brain gave in. Every language app I tried got the same thing wrong: they teach you to pass exercises, not to speak. You finish a lesson, you get your dopamine hit, you maintain your streak, and six months later you still can't order food in the language you've been "learning."<p>So I built something different. lairner has 700+ courses across 70+ languages, including ones that Duolingo will never touch because there's no profit in it. Endangered languages. Minority languages. A Turkish speaker can learn Basque. A Chinese speaker can learn Welsh. Most platforms only let you learn from English. lairner lets you learn from whatever you already speak.<p>We work together with some institutes of endangered languages to be able to teach them on our platform.<p>It's a side project. I work a full-time dev job and build this in evenings and weekends. Tens of Thousands of users so far, no ad spend, no funding.<p>I'm not going to pretend this replaces living in a country or having a conversation partner. But I wanted something that at least tries to teach you the language instead of teaching you to play a language-themed game.<p>Happy to answer anything.
I stopped my CC Max plan a few months ago, but I'm trying it again for fun after seeing their $30 billion series G or whatever.<p>It just doesn't work. I'm trying to build a simple tool that will let me visualize grid layouts.<p>It needs to toggle between landscape/portrait, and implement some design strategies so I can see different visualizations of the grid. I asked it to give me a slider to simulate the number of grids.<p>1st pass, it made something, but it was squished. And toggling between landscape and portrait made it so it squished itself the other way so I couldn't even see anything.<p>2nd pass, syntax error.<p>3rd try I ask it to redo everything from scratch. It now has a working slider, but the landscape/portrait is still broken.<p>4th try, it manages to fix the landscape/portrait issue, but now the issue is that the controls are behind the display so I have to reload the page.<p>5th try, it manages to fix this issue, but now it is squished again.<p>6th try, I ask it to try again from scratch. This time it gives me a syntax error.<p>This is so frustrating.
My wife and I built and shipped a simple iOS app without writing a single line of code in the traditional sense.<p>She hates when I bring my laptop on trips. I love building things. This was our compromise.<p>I had been wanting to experiment with building an iOS app using Claude Code. I had never built for iOS before, and the idea of exploring it through AI-assisted development felt like a new frontier for me. But bringing a laptop to Japan again would not go unnoticed, and not in a good way.<p>So I made a plan.<p>Before leaving Spain, I configured my Mac so it would never sleep. I set up a VPN so I could SSH into it securely from my phone. I installed Zellij to maintain persistent terminal sessions in case the connection dropped. I also prepared a deployment pipeline to TestFlight, so I could trigger builds remotely and test them about 15 minutes later from the other side of the world, asynchronously.<p>This was our second time visiting Japan, and we have always wanted to learn more of the language. So we decided to build something we would actually use: a lightweight phrase app with useful tourist sentences and built-in text to speech. Things like ordering in restaurants, asking how much something costs, or navigating train stations.<p>The funny part is how it evolved.<p>While I was driving between cities, my wife would sit in the passenger seat dictating changes and features into Terminus on my iPhone, connected via SSH to my Mac back home. We used voice input to modify prompts, refine UI text, and generate new features. It became a shared game.<p>Development happened in short bursts, in parking lots, at rest stops, during train rides. We would ship a build, test it in real restaurants or shops, notice friction, and tweak it again that same evening from a ryokan or small hotel room.<p>The feedback loop was almost absurdly tight. We would use it in the real world, find awkward phrasing, improve it, redeploy, and test again the next day.<p>We never opened Xcode locally. We never touched the Mac physically during the trip. Everything happened remotely from a phone across continents.<p>What started as a workaround to avoid bringing a laptop turned into one of the most fun and lightweight building experiences I have ever had. It did not feel like working on vacation. It felt like co-creating something useful for the trip itself.<p>By the end of the journey, the app was not just a prototype. It was stable, usable, and something we genuinely relied on.<p>More than the app itself, the experiment was the interesting part: remote vibecoding, persistent sessions, AI-assisted iteration, and building in real-world feedback loops instead of simulated ones.<p>It made me rethink what a development environment even means.<p>Happy to answer questions about the setup, tooling, workflow, or what broke along the way.
Started with a hyper-compact C++ bit-packed sieve — months of whittling it down to ~9 lines of raw bit manipulation. One bit per odd number, Brian Kernighan's bit trick for extraction, hardware tzcnt intrinsics. Then I ported it to Rust.<p>The borrow checker had opinions. You can't .filter() over a bit array (immutable borrow) and .for_each() mutate it simultaneously. Fair enough — explicit loops for the sieve phase, iterators for collection. Same assembly output, provably safe. Along the way I caught two assertion bugs the sieve was too correct to trigger (off-by-one on the 10,001st prime; 499,999 is composite, not prime).<p>The flat sieve hit a wall at ~10M — the bit array exceeds L1 cache (32KB) and every sieving pass thrashes. So I built a segmented version: bootstrap sieving primes via flat sieve up to √n, then process the full range in 32KB L1-sized segments. One buffer, reused, never leaves cache.<p>Results (single-threaded, 25 iterations, cross-verified against primal crate):<p><pre><code> n=500K: ~440µs, 30KB sieve mem n=10M: ~10ms, 32KB sieve mem n=50M: ~52ms, 32KB sieve mem (flat: ~67ms) n=100M: ~137ms, 32KB sieve mem (flat: ~190ms) </code></pre> Compared to the primal crate (Rust's best-in-class), raw speed is ~2x behind — primal uses wheel-30 factorisation which skips multiples of 2, 3, and 5. This sieve only skips evens. But memory is where it wins: 187x less sieve working memory than primal at n=50M (32KB vs 6MB), and a tighter result vector from prime-counting pre-allocation.<p>The target use case is embedded/constrained: ESP32 nodes, Raspberry Pi Zeros, distributed timing networks where every KB matters. It's also a clean reference implementation — one file, zero dependencies, compiles with a single rustc invocation.<p>Single file. No Cargo. No crates. Just:<p><pre><code> rustc -C opt-level=3 -C target-cpu=native primer.rs && ./primer </code></pre> Code, benchmarks, borrow checker writeup, and a full development narrative are all in the repo.
Hi HN,<p>I am a 75-year-old former fishmonger from Japan. Currently, I work at the compensation desk for the Fukushima nuclear disaster (TEPCO). Witnessing deep social divisions and the limitations of bureaucracy firsthand, I realized we need a new way for people to express their will without being "disposable."<p>To address this, I’ve designed the *Virtual Protest Protocol (VPP)*. It’s an OSS framework for large-scale, 2D avatar-based digital demonstrations. I recently shared this with the *Open Technology Fund (OTF)* and received an encouraging "This is great" response. Now, I am looking for the HN community's expertise to turn this spec into a reality.<p>*The Concept:* * *Beyond Yes/No (Avoiding Polarization):* Introducing an *"Observe"* status. Modern social media forces people into binary "For or Against" camps, deepening social division. VPP allows the silent majority to participate by simply "being there," visualizing the scale of public concern without forcing a polarized stance. * *Cell-Based Scaling:* To handle thousands of participants, avatars are managed in "cells" of 50 units. New cells instantiate as the crowd grows, ensuring compatibility with low-spec devices and low-bandwidth environments. * *Privacy by Design:* We only collect anonymous attributes (age/gender/region). All event-specific data is wiped immediately after the demonstration. * *OIN Membership:* We have joined the [Open Invention Network (OIN)](<a href="https://openinventionnetwork.com" rel="nofollow">https://openinventionnetwork.com</a>) to ensure this remains a patent-free global public good.<p>*Why I’m doing this:* At 75, I belong to the generation that will soon "retire" from society. I feel a deep sense of responsibility to leave a better infrastructure for the next generation?one that isn't burdened by the financial and social "debt" we've accumulated. I am not looking for personal gain; I want this to be a sustainable, global infrastructure.<p>*GitHub:* <a href="https://github.com/voice-of-japan/Virtual-Protest-Protocol/blob/main/README.md" rel="nofollow">https://github.com/voice-of-japan/Virtual-Protest-Protocol/b...</a> *Project Site:* <a href="https://voice-of-japan.net" rel="nofollow">https://voice-of-japan.net</a><p>We are looking for collaborators with expertise in: * Scalable Web Architecture (Node.js, Go, etc.) * High-performance Canvas/WebGL rendering * AI-based real-time moderation (LLM integration)
I used a variant of MinMax called Negamax, with alpha beta pruning. For the board representation I have used a 120-cell "mailbox". I managed to squeeze in checkmate/stalemate in there, after trimming out some edge cases.I am a great fan of demoscene (computer art subculture) since middle school, and hence it was a ritual i had to perform.For estimating the Elo, I measured 240 automated games against Stockfish Elo levels (1320 to 1600) under fixed depth-5 and some constrained rules
Hello HN,<p>Two of my blog posts[1][2] did quite well here on HN so I just wanted you all to know that moving forward these posts will only be accessible on IPv6 Internet.<p>But why? It's a form of protest against people who refuse to give IPv6 a fair chance. I have read all sorts of reasons for why IPv6 is a bad idea including the most idiotic take where people disable IPv6 because all devices get exposed to Internet. They don't care to learn about firewall and keep using IPv4 out of laziness.<p>Second reason is I don't have to pay for static IPv4 address. The cost of IPv4 may look trivial to people who have steady flow of income but sadly that is not the case for me. I like hosting on Raspberry Pi and with IPv6 I can do just that.<p>Another reason is, in India, we have layers and layers of CGNAT. It degrades the Internet experience for us. With IPv6 that is not the case.<p>I'm fully aware that this move will most likely hurt my traffic but I like IPv6 and it's convenience, enough to stick with my decision. It's my humble request to you all to give IPv6 a fair chance by enabling it across your networks and web services. When you choose only IPv4 you are not thinking about part of the world where 1.5 billion people are trying to access your service. It's high time, we should have moved to IPv6 long back. It's the only way forward.<p>[1]: https://blog.rohanrd.xyz/posts/why_self_host/<p>https://news.ycombinator.com/item?id=30781536<p>[2]: https://blog.rohanrd.xyz/posts/every-phone-should-have-web-server/<p>https://news.ycombinator.com/item?id=37086455
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