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2023.03.22 08:16 lodge28 What are your daily observations? - 22/03/23
Good morning folks,
London Overground: No service between Richmond and South Acton while we fix a signal failure in the Kew Gardens. GOOD SERVICE on all other routes.
Tonight, cloud and showery rain will push in from the west, this heavy in places. It will soon clear eastwards, leaving it largely clear and dry with just the small chance of a shower. Windy.
Morning: 11C
Evening: 14C
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Have a great day everyone!
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Tube Updates
District Line: No service between Turnham Green and Richmond due to a signal failure at Kew Gardens. London Underground tickets accepted on buses and South West Train services via any reasonable routes. MINOR DELAYS between Upminster and Wimbledon / Ealing Broadway due to earlier faulty trains. GOOD SERVICE on the rest of the line.London Overground: No service between Richmond and South Acton while we fix a signal failure in the Kew Gardens. GOOD SERVICE on all other routes.
Weather Updates
Today will see a dull and damp start with spells of rain or drizzle. Turning drier in the afternoon, with cloud breaking up in places to give some brighter spells. A windy day with some strong gusts.Tonight, cloud and showery rain will push in from the west, this heavy in places. It will soon clear eastwards, leaving it largely clear and dry with just the small chance of a shower. Windy.
Morning: 11C
Evening: 14C
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2023.03.22 07:01 allChickensFearRice 🇺🇸 🏴 📺 Green Bay Wisconsin News and Headlines WGBA - TV NBC26
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2023.03.22 03:45 allChickensFearRice 🇺🇸 🏴 📺 We Are Green Bay Wisconsin News, Weather, and Sports
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2023.03.22 00:01 allChickensFearRice 🇺🇸 🏴 📺 Green Bay Wisconsin News and Headlines WGBA - TV NBC26
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2023.03.21 20:14 hasanyoneseenmymom [W] [US-WI] 10G SFP+ NICs and transcievers
Edit: Bought
2023.03.21 18:01 Festovious Void Runners 9
Credit to u/SpacePaladin15 for his amazing worldbuilding.
[First]-[Previous]-[Next]
~~~~
Sorry for the delay, I was again busy with a university project. Woe be upon me for I forgot the NOP: in the title.
~~~~
Memory transcription subject: Ryan West, Runner Date [standardized human time]: November 25th, 2136.
It’s hard to tell if you’re moving in space. If there’s no close point of reference it can feel like you’re motionless. The engines run at quarter capacity to lower our heat signature. Even with our target, the green, barren moon of Turadus, in sight I can’t tell if we’re approaching or slowly drifting away. I sink into my seat and close my eyes, a bit tired.
“Would the Nevok actually attack the ship if they detected it?” I ask Tsanma as she manually pilots the ship.
“No, it’s very unlikely they’d take any direct action, especially against a cargo ship. But the intel the Countess can provide will be more useful if the Imperium is unaware that we possess it.”
“I see.” I say halfheartedly. I open my eyes again and the moon seems to have gotten a bit closer.
***
The station comes into view, various metal structures and domes poked from the green rock. The surface of the moon was very jagged, like an emerald badland. I make sure I’m out of view of the camera as Tsanma hails the station. The visage of a masked Nevok appears.
“Hello Compact representative, you are clear to land at bay two.” Tsanma dips her head in response and the feed cuts as quickly as it started.
I head to the back of the ship, I’ll be waiting in the bunks until we leave. We’ve done nothing but stare at a slowly approaching moon for nearly half a day. It's been the most exhausting part of the job so far.
Memory transcription subject: Reossa, Nevok Imperium Countess Date [standardized human time]: November 25th, 2136.
“Oh Lady,” Maylak is on the verge of tears, “must you leave? The estate is so safe.” She holds my bag for me as we walk to the landing bay; she’s not been taking it well.
“The plot came directly from the capital Maylak, it’s safe for now, but it’s only a matter of time before the Imperium sends someone here. Then none of you will be safe.” A small entourage of my personal servants has conglomerated in the steel halls as I walk. Most have taken the news with somber acceptance, but Maylak has been my chambermaid since she was a kitten.
I push through the doors to the bay, the small crowd stopping at the doors. Some cry their final goodbye, some just stand in silence. I see the fissan standing at the top of a small landing platform, she must be the captain. I grab my bag from Maylak who whines and holds it for a moment longer than she should have, I walk towards the ship. As I approach, the fissan dips her head in greeting.
“Hello Lady Roessa, I am Tsanma, a representative of the Fissan Compact.” She says with the flat tone of one who’s recited the phrase a thousand times before.
“Hello Tsanma, I hope my background doesn’t invoke any hostility between us.” I’d weighed my options of who to go to for a long time. In the end the Fissans were the closest, and obviously had a great deal to gain from my cooperation.
“Nonsense, the Compact is always open to those willing to do business.” I almost instinctively voice an objection to the statement. No point in wasting breath defending an empire that wants me dead.
“Alright, please, show me where I’ll be-” I’m cut off by a cry from Maylak, she runs towards me, jumping over a guard who tries to stop her.
“Please Lady, I need to come with you,” she grabs onto one of my paws with both of her own. I’m shocked she’d go this far. I look over to Tsanma pleadingly.
“She can come, we have enough room for the both of you.” she says. I sigh, it had taken a lot of mental preparation for what I thought would be the rest of life servantless, what a waste.
“Then I suppose,” I look to Maylak, “you can come.” she signals joy with her tail. She quickly sprints back into the crowd of servants by the door, and comes back holding her own bag.
“My Lady, you won’t regret it.” She says, holding the small bag.
“You seem prepared.” I give, she holds her ears down in shame though her tail still says joy.
“A very touching scene, but please hurry, we have a schedule to meet.” Tsanma says as she walks back into the ship. Maylak and I follow her in. “I’ll go over everything once we’re voidborne, for now please just sit down.” She mans the ship and the engines begin to lightly rumble. The rumbling quickly eases as we leave the artificial gravity of the station. Tsanma activates auto-pilot and the ship begins a very slow ascent from the moon’s green surface.
“I can’t help but notice the lack of personnel. Where is everyone?” I ask.
“We keep our cargo ship crew light. I’m knowledgeable enough in ship maintenance that a dedicated mechanic is unnecessary. Though currently we have an exceptionally low crew.”
“Who else is there?” Maylak asks.
“Besides myself we have a single security contractor on board. I’ll show you around the ship.” Tsanma walks out of the cockpit, pointing to the various rooms of the ship.
Only two crewmembers? I consider as she points to a closed door,
“This is the dorm room you’ll be staying in.” She doesn’t open the door and continues the small tour. After a short time we’re back in the cockpit. “I hope you find the ship acceptable for our short journey.” She sits in the pilot seat and deactivates the auto-pilot.
“I’ll go prepare your quarters my Lady.” Maylak says as she walks out. Half a second later Tsanma turns back to her,
“Wait!” she says, the slight delay of the translators stopped the words from reaching her before she left the cockpit. Tsanma sighs, but just looks forward in her seat.
“What’s the matter? I presume the security guard was in the room but I’m certain Maylak won’t disturb them.”
“That’s not exactly the issue.” she says.
“Well what’s-” I hear a scream come from the back of the ship, my ears shoot up in alert. “Maylak!?” I run out of the cockpit, I hear a loud deep voice yell,
“Fuck, OW!” I almost run into Maylak as she comes sprinting out of the dorms.
“LADY IT- THERE- A- AH-” She speaks erratically, placing a hand on my shoulder. A large body comes from the door, a clawless hand rubs its face as it groans. Maylak scurries behind me. The being is without fur save a long patch that comes from its head to its back, unfamiliar clothes cover most of its body. A single piercing eye peaks through it’s hand.
“Ah, you must be the Countess, and…”, it looks between Maylak and I. Neither of us say anything for a few long moments.
“Are you a human?” I ask. It removes it’s hand from it’s face, revealing it’s second forward facing eye. The gaze is nearly paralyzing, but I maintain my composure.
“Tsanma didn’t explain to you? I’m the security detail.” I feel Maylak release her paw from my shoulder as she slumps to the ground, unconscious.
“A fine mess you’ve made Ryan, and in only a few minutes since we’ve left.” Tsanma’s voice comes from behind me.
“I hardly see how this is my fault.” He says as he walks towards Maylak, he stops right before he’s upon me and says, “Ah, I’m just going to lay her on one of the beds. Also, who is who?” He carefully grabs Maylak under her legs and neck. The sight of the predator holding her shoots fear through me. The only thing keeping me calm is the assurance that the Compact wouldn’t bring a predator if it was a danger to me. I repeated this fact through my head like a mantra.
“The one who didn’t faint is the Countess, Reossa.” Tsanma answers for me, “The one you hold is one of her servants.” The man, Ryan was his name? He looks at Maylak as he listens to Tsanma.
“I see, well if she wakes up in my arms she’ll probably have a heart attack.” He walks into the dorms. I feel my heart rate lower as he leaves my sight. I turn to Tsanma,
“Why a human?” A much more direct question than I hoped for, but the stress made it come out.
“Various reasons, chiefly their intimidation factor. The strength is certainly another qualifier.” She says as if it weren’t a mad calculation. A moment later Ryan comes back from the dorms.
“Also, I’m a really good dancer.” Ryan adds. Tsanma lowers her horn slightly towards him.
“We will not discuss that event in the presence of the Countess.” she says sternly, causing Ryan to give a small, rhythmic growl.
“Anyways, I’m a bit hungry,” he checks his holopad, “I’m eating.” He walks into the kitchen and Tsanma returns to the cockpit. He’s eating? What would he eat? Images of the human tearing into dead flesh made me sick, but a morbid curiosity consumed me.
Certainly they wouldn’t keep flesh on the ship. I peek into the kitchen and see Ryan procuring various tools. He flips a switch on the counter, and a small flame raises from a burner.
“You need something,” he pauses for a moment, considering his words, “countess?” He says unsure, “Sorry I’m not sure what would be an appropriate way to address you.”
“Just Reossa is fine.” I say, I don’t want to make the predator see me as above him, a contender for dominance. “But no, I’m just curious.”
“About?” He procures a small bag from the refrigerator and I sit in a metal chair.
“What you’re making.” I don’t know where the bravado to risk a glimpse of dead flesh came from.
“Oh, I’m making stir fry,” he dumps a small amount of oil into the pan, fat oils? I shutter slightly. “It’s like, well actually the name says it all, basically you put anything in a pan and stir it as it cooks. Though I don’t have a wok so it’s a bit hard.” he tears open the bag and a large amount of mixed Fissan vegetables falls into the pan. “I’m not sure what most of these are called actually. Tsanma keeps on telling me but I never eat any of them separate from the rest. Er, I guess I know the white beans are called urag beans, but that’s it.”
“And that’s all you’re having?” I ask
“Oh, you’re right, I’m missing something.” he returns to the fridge and my heart rate spikes, he must’ve forgotten the flesh. He pulls out a small opaque jar. He returns to the burner and opens the jar, he puts a spoon in and out, a small glob of black goo comes with it. He flicks the substance into the pan.
“What is that?” My eyes are wide, congealed blood?
“Uh, some sort of bean sauce, It’s a bit sweet, I don’t remember what it’s called though.”
“You’re not eating,” I shrink in the seat, “flesh?” I add quietly. He pauses, continuing to stir in the pan. He says nothing for a few moments.
“I know you probably think Tsanma is crazy or whatever for having a predator on board. But it’s not like she’s emotionless, eh? Please don’t go lookin’ at her like you do at me, she wouldn’t keep meat on the ship.” I was relieved for a moment before realizing the implication; he’d keep meat on the ship if he could, it’s merely not allowed. Neither of us speak for a moment.
“Well!” He says suddenly, “Want to try some when it’s done?” He asks. I consider the proposition, I saw everything he added, none of it seemed poisoned or from a living being. I quickly recall the oil he put in,
“What type of oil was that?”
“I don’t know, something fissan probably, Tsanma just called it ‘oil’.”
“Then, I will accept.” We sit in silence for a while until he declares the food ready, he walks towards a small cabinet with securely held bowls and plates. He grabs two bowls and fills them, he places one in front of me and sits across the table.
“I feel a bit bad, I gave you almost half of what I got but,” his eyes run up my body, “you’re about half my size though, so I guess it works out. I hope it’s up to your standards.” He quickly starts eating, when his mouth opens, the slightly lustrous, dulled ends of canines flash into sight. I find my attention drawn to his mouth every time it opens. I take a scoop of the food, various vegetables sit on the spoon, wilted from the heat. I put the spoon in my mouth.
“It’s alright. For someone who doesn’t know what they’re cooking, you did well.” He quickly finishes his food before I’m done half of my own.
“Alright, I’ll be with Tsanma, when you’re done we need to go over sleeping schedules.” I swish my tail to signify I understood, he seems to get what I mean, and leaves.
I slowly eat the rest of the food and look around. The internal design of the fissan ship is unfamiliar to me. I can’t name the food I’m eating. I’m on a ship with a predator. How long had it been since I had felt anything akin to this instability? I feel rootless, lost, betrayed by my nation for reasons completely unknown to me. With the fear of the predator subsiding, I realize it wasn’t the worst of what I felt. Perhaps this is why I stayed and watched him. I wish he was back so I could replace this feeling with fear and detest. I put another spoonful of the food into my mouth. I close my eyes as I chew— a tear falls into the bowl. I had lied; the food was amazing.
Memory transcription subject: Nittal, Takkan Mercenary Date [standardized human time]: November 25th, 2136.
I rhythmically tap a claw on the dashboard of the ship. The Imperium requested we give them the ship’s landing location, the fact that it had landed on the moon was supposedly a big deal. I wasn’t happy to be kept waiting after tailing the fissan ship manually, in real space for such a long time. Suddenly the ship is hailed from Turadus, Laz quickly answers the call. The visage of our contractor appears on screen.
“Hello, the deal is being updated,” I almost yell an objection before he continues, “we’re increasing your pay,” typically the ‘deal being updated’ was code for ‘we’re screwing you’, I quickly calm down “There’s a nevok that was picked up by the fissan ship, we want you to kill her. If you can confirm her death there’s another hundred thousand credits in the deal.”
“We will gladly take that update.” I give.
“Great. Since the ship took such great lengths to avoid detection from the colony, they’ll no doubt be doing the same while leaving. You’ll have plenty of time to intercept them on their path. Do not fail us.” The feed cuts, always so direct these people, but I wasn’t complaining.
The ship is currently resting in a small crevice on the surface of Turadus’ moon. For a bit the ship had been visible with the naked eye. I resist the urge to merely gun the ship down, we’d have to dock in order to capture the fissan agent. That means waiting until they were out of the moon's gravity well. Laz sits in the seat watching the radar, those stimulants were a godsend, neither of us were a bit tired. If anything I felt excited, dangerously so. By the great dissolution, this mission will be a test of will more so than anything.
submitted by Festovious to NatureofPredators [link] [comments]
[First]-[Previous]-[Next]
~~~~
Sorry for the delay, I was again busy with a university project. Woe be upon me for I forgot the NOP: in the title.
~~~~
Memory transcription subject: Ryan West, Runner Date [standardized human time]: November 25th, 2136.
It’s hard to tell if you’re moving in space. If there’s no close point of reference it can feel like you’re motionless. The engines run at quarter capacity to lower our heat signature. Even with our target, the green, barren moon of Turadus, in sight I can’t tell if we’re approaching or slowly drifting away. I sink into my seat and close my eyes, a bit tired.
“Would the Nevok actually attack the ship if they detected it?” I ask Tsanma as she manually pilots the ship.
“No, it’s very unlikely they’d take any direct action, especially against a cargo ship. But the intel the Countess can provide will be more useful if the Imperium is unaware that we possess it.”
“I see.” I say halfheartedly. I open my eyes again and the moon seems to have gotten a bit closer.
***
The station comes into view, various metal structures and domes poked from the green rock. The surface of the moon was very jagged, like an emerald badland. I make sure I’m out of view of the camera as Tsanma hails the station. The visage of a masked Nevok appears.
“Hello Compact representative, you are clear to land at bay two.” Tsanma dips her head in response and the feed cuts as quickly as it started.
I head to the back of the ship, I’ll be waiting in the bunks until we leave. We’ve done nothing but stare at a slowly approaching moon for nearly half a day. It's been the most exhausting part of the job so far.
Memory transcription subject: Reossa, Nevok Imperium Countess Date [standardized human time]: November 25th, 2136.
“Oh Lady,” Maylak is on the verge of tears, “must you leave? The estate is so safe.” She holds my bag for me as we walk to the landing bay; she’s not been taking it well.
“The plot came directly from the capital Maylak, it’s safe for now, but it’s only a matter of time before the Imperium sends someone here. Then none of you will be safe.” A small entourage of my personal servants has conglomerated in the steel halls as I walk. Most have taken the news with somber acceptance, but Maylak has been my chambermaid since she was a kitten.
I push through the doors to the bay, the small crowd stopping at the doors. Some cry their final goodbye, some just stand in silence. I see the fissan standing at the top of a small landing platform, she must be the captain. I grab my bag from Maylak who whines and holds it for a moment longer than she should have, I walk towards the ship. As I approach, the fissan dips her head in greeting.
“Hello Lady Roessa, I am Tsanma, a representative of the Fissan Compact.” She says with the flat tone of one who’s recited the phrase a thousand times before.
“Hello Tsanma, I hope my background doesn’t invoke any hostility between us.” I’d weighed my options of who to go to for a long time. In the end the Fissans were the closest, and obviously had a great deal to gain from my cooperation.
“Nonsense, the Compact is always open to those willing to do business.” I almost instinctively voice an objection to the statement. No point in wasting breath defending an empire that wants me dead.
“Alright, please, show me where I’ll be-” I’m cut off by a cry from Maylak, she runs towards me, jumping over a guard who tries to stop her.
“Please Lady, I need to come with you,” she grabs onto one of my paws with both of her own. I’m shocked she’d go this far. I look over to Tsanma pleadingly.
“She can come, we have enough room for the both of you.” she says. I sigh, it had taken a lot of mental preparation for what I thought would be the rest of life servantless, what a waste.
“Then I suppose,” I look to Maylak, “you can come.” she signals joy with her tail. She quickly sprints back into the crowd of servants by the door, and comes back holding her own bag.
“My Lady, you won’t regret it.” She says, holding the small bag.
“You seem prepared.” I give, she holds her ears down in shame though her tail still says joy.
“A very touching scene, but please hurry, we have a schedule to meet.” Tsanma says as she walks back into the ship. Maylak and I follow her in. “I’ll go over everything once we’re voidborne, for now please just sit down.” She mans the ship and the engines begin to lightly rumble. The rumbling quickly eases as we leave the artificial gravity of the station. Tsanma activates auto-pilot and the ship begins a very slow ascent from the moon’s green surface.
“I can’t help but notice the lack of personnel. Where is everyone?” I ask.
“We keep our cargo ship crew light. I’m knowledgeable enough in ship maintenance that a dedicated mechanic is unnecessary. Though currently we have an exceptionally low crew.”
“Who else is there?” Maylak asks.
“Besides myself we have a single security contractor on board. I’ll show you around the ship.” Tsanma walks out of the cockpit, pointing to the various rooms of the ship.
Only two crewmembers? I consider as she points to a closed door,
“This is the dorm room you’ll be staying in.” She doesn’t open the door and continues the small tour. After a short time we’re back in the cockpit. “I hope you find the ship acceptable for our short journey.” She sits in the pilot seat and deactivates the auto-pilot.
“I’ll go prepare your quarters my Lady.” Maylak says as she walks out. Half a second later Tsanma turns back to her,
“Wait!” she says, the slight delay of the translators stopped the words from reaching her before she left the cockpit. Tsanma sighs, but just looks forward in her seat.
“What’s the matter? I presume the security guard was in the room but I’m certain Maylak won’t disturb them.”
“That’s not exactly the issue.” she says.
“Well what’s-” I hear a scream come from the back of the ship, my ears shoot up in alert. “Maylak!?” I run out of the cockpit, I hear a loud deep voice yell,
“Fuck, OW!” I almost run into Maylak as she comes sprinting out of the dorms.
“LADY IT- THERE- A- AH-” She speaks erratically, placing a hand on my shoulder. A large body comes from the door, a clawless hand rubs its face as it groans. Maylak scurries behind me. The being is without fur save a long patch that comes from its head to its back, unfamiliar clothes cover most of its body. A single piercing eye peaks through it’s hand.
“Ah, you must be the Countess, and…”, it looks between Maylak and I. Neither of us say anything for a few long moments.
“Are you a human?” I ask. It removes it’s hand from it’s face, revealing it’s second forward facing eye. The gaze is nearly paralyzing, but I maintain my composure.
“Tsanma didn’t explain to you? I’m the security detail.” I feel Maylak release her paw from my shoulder as she slumps to the ground, unconscious.
“A fine mess you’ve made Ryan, and in only a few minutes since we’ve left.” Tsanma’s voice comes from behind me.
“I hardly see how this is my fault.” He says as he walks towards Maylak, he stops right before he’s upon me and says, “Ah, I’m just going to lay her on one of the beds. Also, who is who?” He carefully grabs Maylak under her legs and neck. The sight of the predator holding her shoots fear through me. The only thing keeping me calm is the assurance that the Compact wouldn’t bring a predator if it was a danger to me. I repeated this fact through my head like a mantra.
“The one who didn’t faint is the Countess, Reossa.” Tsanma answers for me, “The one you hold is one of her servants.” The man, Ryan was his name? He looks at Maylak as he listens to Tsanma.
“I see, well if she wakes up in my arms she’ll probably have a heart attack.” He walks into the dorms. I feel my heart rate lower as he leaves my sight. I turn to Tsanma,
“Why a human?” A much more direct question than I hoped for, but the stress made it come out.
“Various reasons, chiefly their intimidation factor. The strength is certainly another qualifier.” She says as if it weren’t a mad calculation. A moment later Ryan comes back from the dorms.
“Also, I’m a really good dancer.” Ryan adds. Tsanma lowers her horn slightly towards him.
“We will not discuss that event in the presence of the Countess.” she says sternly, causing Ryan to give a small, rhythmic growl.
“Anyways, I’m a bit hungry,” he checks his holopad, “I’m eating.” He walks into the kitchen and Tsanma returns to the cockpit. He’s eating? What would he eat? Images of the human tearing into dead flesh made me sick, but a morbid curiosity consumed me.
Certainly they wouldn’t keep flesh on the ship. I peek into the kitchen and see Ryan procuring various tools. He flips a switch on the counter, and a small flame raises from a burner.
“You need something,” he pauses for a moment, considering his words, “countess?” He says unsure, “Sorry I’m not sure what would be an appropriate way to address you.”
“Just Reossa is fine.” I say, I don’t want to make the predator see me as above him, a contender for dominance. “But no, I’m just curious.”
“About?” He procures a small bag from the refrigerator and I sit in a metal chair.
“What you’re making.” I don’t know where the bravado to risk a glimpse of dead flesh came from.
“Oh, I’m making stir fry,” he dumps a small amount of oil into the pan, fat oils? I shutter slightly. “It’s like, well actually the name says it all, basically you put anything in a pan and stir it as it cooks. Though I don’t have a wok so it’s a bit hard.” he tears open the bag and a large amount of mixed Fissan vegetables falls into the pan. “I’m not sure what most of these are called actually. Tsanma keeps on telling me but I never eat any of them separate from the rest. Er, I guess I know the white beans are called urag beans, but that’s it.”
“And that’s all you’re having?” I ask
“Oh, you’re right, I’m missing something.” he returns to the fridge and my heart rate spikes, he must’ve forgotten the flesh. He pulls out a small opaque jar. He returns to the burner and opens the jar, he puts a spoon in and out, a small glob of black goo comes with it. He flicks the substance into the pan.
“What is that?” My eyes are wide, congealed blood?
“Uh, some sort of bean sauce, It’s a bit sweet, I don’t remember what it’s called though.”
“You’re not eating,” I shrink in the seat, “flesh?” I add quietly. He pauses, continuing to stir in the pan. He says nothing for a few moments.
“I know you probably think Tsanma is crazy or whatever for having a predator on board. But it’s not like she’s emotionless, eh? Please don’t go lookin’ at her like you do at me, she wouldn’t keep meat on the ship.” I was relieved for a moment before realizing the implication; he’d keep meat on the ship if he could, it’s merely not allowed. Neither of us speak for a moment.
“Well!” He says suddenly, “Want to try some when it’s done?” He asks. I consider the proposition, I saw everything he added, none of it seemed poisoned or from a living being. I quickly recall the oil he put in,
“What type of oil was that?”
“I don’t know, something fissan probably, Tsanma just called it ‘oil’.”
“Then, I will accept.” We sit in silence for a while until he declares the food ready, he walks towards a small cabinet with securely held bowls and plates. He grabs two bowls and fills them, he places one in front of me and sits across the table.
“I feel a bit bad, I gave you almost half of what I got but,” his eyes run up my body, “you’re about half my size though, so I guess it works out. I hope it’s up to your standards.” He quickly starts eating, when his mouth opens, the slightly lustrous, dulled ends of canines flash into sight. I find my attention drawn to his mouth every time it opens. I take a scoop of the food, various vegetables sit on the spoon, wilted from the heat. I put the spoon in my mouth.
“It’s alright. For someone who doesn’t know what they’re cooking, you did well.” He quickly finishes his food before I’m done half of my own.
“Alright, I’ll be with Tsanma, when you’re done we need to go over sleeping schedules.” I swish my tail to signify I understood, he seems to get what I mean, and leaves.
I slowly eat the rest of the food and look around. The internal design of the fissan ship is unfamiliar to me. I can’t name the food I’m eating. I’m on a ship with a predator. How long had it been since I had felt anything akin to this instability? I feel rootless, lost, betrayed by my nation for reasons completely unknown to me. With the fear of the predator subsiding, I realize it wasn’t the worst of what I felt. Perhaps this is why I stayed and watched him. I wish he was back so I could replace this feeling with fear and detest. I put another spoonful of the food into my mouth. I close my eyes as I chew— a tear falls into the bowl. I had lied; the food was amazing.
Memory transcription subject: Nittal, Takkan Mercenary Date [standardized human time]: November 25th, 2136.
I rhythmically tap a claw on the dashboard of the ship. The Imperium requested we give them the ship’s landing location, the fact that it had landed on the moon was supposedly a big deal. I wasn’t happy to be kept waiting after tailing the fissan ship manually, in real space for such a long time. Suddenly the ship is hailed from Turadus, Laz quickly answers the call. The visage of our contractor appears on screen.
“Hello, the deal is being updated,” I almost yell an objection before he continues, “we’re increasing your pay,” typically the ‘deal being updated’ was code for ‘we’re screwing you’, I quickly calm down “There’s a nevok that was picked up by the fissan ship, we want you to kill her. If you can confirm her death there’s another hundred thousand credits in the deal.”
“We will gladly take that update.” I give.
“Great. Since the ship took such great lengths to avoid detection from the colony, they’ll no doubt be doing the same while leaving. You’ll have plenty of time to intercept them on their path. Do not fail us.” The feed cuts, always so direct these people, but I wasn’t complaining.
The ship is currently resting in a small crevice on the surface of Turadus’ moon. For a bit the ship had been visible with the naked eye. I resist the urge to merely gun the ship down, we’d have to dock in order to capture the fissan agent. That means waiting until they were out of the moon's gravity well. Laz sits in the seat watching the radar, those stimulants were a godsend, neither of us were a bit tired. If anything I felt excited, dangerously so. By the great dissolution, this mission will be a test of will more so than anything.
2023.03.21 17:09 InternationalWash822 Warren Buffett invested in these Fintech Companies - How does SOFI Measure Up?
 | The fintech industry has seen one of the most exciting growth trends as it revolutionizes how people access financial services. Right now, there are over 30,000 fintech startups and by the end of 2021, fintech investment reached a total of $210 billion. The fintech sphere is only expected to grow, so I believe it is a very attractive industry for investors and Warren Buffet seems to think so too. submitted by InternationalWash822 to Shortsqueeze [link] [comments] The Oracle of Omaha has been making large investments in multiple fintech companies. In fact, Buffet has invested over $900M (107.1M shares) in the Brazilian company, Nu Holdings, and $907M (30M shares) in ALLY. This is a huge investment even for someone like Buffett. Nu Holdings is actually his 8th largest investment in terms of shares. This raises the question, why has Buffett invested in these other fintech companies, but not in Sofi? Throughout this post, I’ll be talking about Sofi, ALLY, and Nu Holdings - comparing their pros, cons, and similarities. My goal here is to see if there is room for 3 top dogs in the fintech industry or not. Why has Buffett purchased a lot of shares of Nu Holdings, specifically? For starters, the company has grown its customer base to 70.9 million clients in just over a year since going public. Nu Holdings provides credit cards to people who are not eligible to get one through other banks & tries to minimize risk by reducing the eligible benefits that the customer is initially eligible for. As they pay their bills on time, they unlock more benefits & more credit limits. Another reason is its management. It's no secret that Buffett likes to invest in companies with good management. As he once said, “When we own portions of outstanding businesses with outstanding management, our favorite holding period is forever.” Nu Holdings has recently hired David Marcus (former president of PayPal & former Meta Board member) on March 6 to be part of its Board of Directors. It’s expected that David will play a crucial role in Nu’s journey going forward. The rest of the management team brings a lot of experience to the table as well:
Nu Holdings’ Edge - Brazil’s Unbanked Population Before Nu Holdings started, over 55 million Brazilians were unbanked. This is because it's notoriously difficult for people who are not wealthy to obtain credit cards in Brazil. In general, it's very difficult to get a credit card in Latin America without being one of the wealthy elites. By offering credit cards to people who would not be able to obtain one any other way, Nu has captured a large, untapped market. This is the main reason Nu is as successful as it is today. Compared to SOFI, Nu Holdings has a much larger client base, this is of course due to its operations in Brazil, Mexico, & Columbia which in total have a larger population than the US. Thanks in part to these widespread operations, Forbes listed Nu Holdings as one of the world’s best banks in 2022. Nu Holdings has a larger client base, more revenues, and is growing at a much faster rate than Sofi. The main reason for this is the fact that Nu Holdings doesn’t have as many competitors as Sofi, especially since they focus on an untapped market in Latin America. With Sofi, they have competitors right, left, and center due to established banks and fintech competitors. Nu Holdings became profitable Q3 2022 - only a year after its inception. After making a net profit of $7.8 million in Q3, it went on to make $58 million the next quarter and is on track to report an EPS of $0.02 & $1.393B in revenues in Q1 2023 Whereas SOFI is still struggling to become profitable and is forecast to make an EPS of $-0.077 & $442.262M in revenue in Q1 2023. https://preview.redd.it/gkta3om784pa1.png?width=626&format=png&auto=webp&s=4d1bfed341d05e0187966a6da3b3e34c4895cbfd https://preview.redd.it/eu2am7q684pa1.png?width=622&format=png&auto=webp&s=6b0d5b8ff376c5c0ae86c565cbc715a50d293f28 *Screenshot taken from Future Investing YouTube* How are Nu Holdings & Sofi similar? But Nu Holdings & Sofi share one very important thing in common. They both want to be a one stop shop for financial services. Since Sofi specializes in student loan refinancing, it creates a bond with younger customers who - hopefully - will turn into lifelong customers that use Sofi for all their banking needs. Similarly, Nu Holdings offers credit cards to customers younger than 18 in Brazil - capturing a demographic of young people who will hopefully become lifelong customers. This means that both companies could continue to grow and expand as their customer base grows older and younger generations adopt their services as well. https://preview.redd.it/xlub4fg884pa1.jpg?width=500&format=pjpg&auto=webp&s=9d8d039e9347417080f9035758f5cb9435e6dc29 Why has Buffett invested in ALLY? Having invested $1.7B since 2012 in the industry giant, General Motors, you could say Buffet is an expert on the auto industry. Which helps explain why Buffett took an interest in Ally. This fintech company offers multiple services but specializes in the auto loan industry since it once was a financing division of GM, originally known as GMAC. After GM sold the rest of its 8.5% stake in Ally for $900M in 2013, Ally has expanded its market by offering mortgages, credit cards, wealth management, & other services. https://preview.redd.it/y1c473va84pa1.png?width=605&format=png&auto=webp&s=84b47713c9d3fc8551a21260e51fc863cc7d1570 Another reason Buffett is investing in ALLY could be its history of share buybacks. Buffett is a big believer in stock buybacks and has said they can be the best use of corporate capital. ALLY also offers quarterly dividends to shareholders, which is a sign of the company’s fundamental strength. How does ALLY compare to Sofi? The main difference is the source of Ally’s revenue. 65.6% of Ally’s total revenue in 2022 came from the auto finance industry, while Sofi’s edge is student loan refinancing. In 2019, Sofi generated 59.7% of its revenue from student loans. But it’s worth noting that it can be quite difficult to qualify for student loan refinancing if you have a bad credit score whereas it’s a bit easier for people to get auto loans. https://preview.redd.it/q9efotfb84pa1.png?width=615&format=png&auto=webp&s=3dc7776eb6c02cd0e9293b82cb11e14b391cd86b How are Ally & Sofi similar? Ally & Sofi both offer commission free stock trading for investors with a high APY as well. Ally’s savings account offers 3.60% APY and Sofi offers 3.75% APY with a direct deposit. This means that with a direct deposit, you’ll earn a higher APY with Sofi, but without one, you’d earn a higher APY with Ally. Both companies offer multiple services such as mortgage loans, credit cards, insurance, etc. and are online banks with no physical locations. Given their different niches, it makes sense that Ally’s customers tend to be millennials while Sofi’s customers tend to be students or fresh graduates. Sofi’s Edge So after going through the pros and cons of all three of these companies, you might be wondering if SOFI has what it takes to gain market share in the growing Fintech industry. I believe Sofi has an edge over these two competitors when it comes to diversification. The two pictures below show the type of services that Sofi & Ally offer. Sofi is constantly trying to increase its market by opening up different services to attract new customers. To name a few:
https://preview.redd.it/0vcs7h5c84pa1.png?width=541&format=png&auto=webp&s=3521404dec4a95cb3ed2212eb32bbee5416a0fd1 Besides diversification, SOFI’s focus on student loan refinancing is also a plus imo. College education is essential in the US and without a college degree, most people can only get so far in their career. For instance, 53.7% of the US working population in 2021 graduated from college and at least 75% of new jobs require a college degree. When you factor in the average cost of tuition - which has soared 31.4% from 2010-2020 - and that the average student debt among college graduates is $28,000, SOFI is in a great position to profit from this sector. Given this inflationary environment & higher interest rates, I think that demand for student loan refinancing will only increase. This is because employers are constantly looking for people with degrees & the number of jobs requiring this are increasing every year. So it's no surprise that CEO Anthony Noto recently said, “We’d expect the demand for that product (student loans) to really go through the roof and be back to normalized levels that we saw in 2019.” But with the student loan pause in place, SOFI is losing a lot of money. The company stated that it has lost $300M to $400M and is pushing very hard to get a decision passed ending the student loan moratorium. The Supreme Court already heard the oral arguments regarding the case and is expected to give a decision in June. If things are not resolved by then or the Supreme Court rules against federal student loan forgiveness, then payments are expected to resume by the end of August. This is because payments are expected to start up again, 60 days following the ruling. Needless to say this would be a huge catalyst for SOFI and I, personally, believe that the Supreme Court will rule in SOFI’s favor. And the flood of refinancing requests that could come in once this limbo ends could give SOFI’s revenues a much-needed push. With this in mind, June will be a make-or-break moment for SOFI. Now, you might be thinking ‘that’s great and all but what about Buffett’s 8th largest investment by shares? OP is just some dude on the internet, and this is THE Warren Buffett’. https://preview.redd.it/w3k57vtc84pa1.png?width=288&format=png&auto=webp&s=8e5770fad03ae86cb15bcbe116bc706a512d9364 Well, you wouldn’t be wrong. It's hard to argue against Warren Buffett’s logic and I think NU could be a good investment as well, but compared to SOFI, I think that it presents a lot more risk. For one thing, Brazil has just gotten out of one of its worst economic crises in history and with a new government taking over there’s a lot of uncertainty. Corruption is very high in Brazil, and banks which provide their services almost exclusively to the rich in Brazil could use their power to turn the government against Nu Holdings if they feel threatened. Also, giving out credit cards to kids under 18 (even if the card’s benefits are limited) just sounds really risky to me. Given that most people in Brazil are not as financially well off as most US residents, its weaker currency, and struggling economy, Nu Holdings could face the greatest risk of all three companies. But time will tell whether the Brazilian government will make life easier or more difficult for a company like Nu Holdings. So this means that ALLY, which also focuses on the US market for financial services, is probably SOFI’s greatest competition. Both companies have a lot in common, but they’ve chosen to specialize in different niches. So let’s break it down:
Regardless of the potential hit to the automotive sector, when you compare auto loans to student loans you quickly see that student loans take the cake. The market size of the Auto leasing, loans, & sales financing industry is $173.2 billion, while the student loan industry is a massive $1.76 trillion. So Sofi has the upper hand here in terms of the market potential. With college tuition constantly increasing & students entering college year after year, SOFI also has stricter requirements for qualifying for personal loans, such as a credit score of 680 and other factors which make their loans comparatively safer since its clients are more thoroughly vetted. This is good because it allows Sofi to minimize the potential risk of a customer not being able to pay back their loan in the future. Conclusion: So, in conclusion, I think SOFI is in a fairly safe spot as long as the Supreme Court gives a favorable ruling. Since Nu Holdings operates in Latin America it won’t compete with Sofi for market share. Ally & Sofi also have different specializations, but Ally is a more established FinTech company which could take customers from Sofi. Still, SOFI’s goal is to become a one stop shop for all financial services and it has diversified its services extensively over the years which could give it an edge in this industry. Personally, I believe SOFI will be able to grow its customer base better than ALLY because it appeals directly to young adults heading into college. If these customers have a good experience, then SOFI can become their go-to financial service provider for the rest of their life. On this note, the FinTech industry is on track for major growth especially since Covid-19 acted as a catalyst for the industry - leading to wider adoption at a time when contactless payments were becoming essential. Besides this, the FinTech industry will likely continue to grow just out of sheer practicality. For one thing, Fintech cuts down servicing costs like maintaining physical branches while still providing a very high value service. As more and more transactions move online, the digital revolution continues to work in the industry’s favor and the widespread adoption of smartphones means that our phones will increasingly act as wallets. So, it's not surprising that the use of Fintech companies increased 88% from 2020 to 2021. So I'm pretty bullish on three of these stocks for the time being at least. Now for the TA... $SOFI https://preview.redd.it/djuk58id84pa1.jpg?width=1600&format=pjpg&auto=webp&s=74f72c6e21506030efc6bbc44374cb04b07096bb $SOFI has been stuck in a sideways channel since April 2022. The stock has a strong resistance at $7.59 which it tested on its positive Q4 earnings, however SOFI dropped almost 18% to its support at $5.25 due to market uncertainty. Now trading at $5.20, SOFI is below the 50, 200, and 21 MAs on the daily timeframe. Despite this, I’m expecting a bounce and potential retest of the $7.59 resistance leading up to the Supreme Court decision in June since the RSI oversold at 30. Right now SOFI is fundamentally oversold IMO. I bought 1k shares here as a starter with a stop loss at the $4.92 support. I’ll be averaging down under the $5.25 support or averaging up depending on the trend. My take profits will be the 200 MA, $6.43 resistance and the $7.59 resistance. https://preview.redd.it/pakxnr1e84pa1.jpg?width=1458&format=pjpg&auto=webp&s=3fb5c7d97c02030b7ad888463c4c2cf572e973c5 $ALLY: https://preview.redd.it/8zwd6jme84pa1.jpg?width=1600&format=pjpg&auto=webp&s=af9de5ffc042ca2bfaf546417438edac1e9dc409 ALLY was in a downward channel all of 2022 but it broke out at the start of 2023 - testing the $34 resistance after earnings. Since then the trend has reversed and is now bearish. The stock touched its $21.91 support mostly due to market turmoil rather than fundamentals. I’m expecting ALLY to break out of this channel like it did at the start of this year when it approached the $34 support. The stock recently tested what was once the upper trendline and bounced off of it which is a bullish sign. Personally, I think that these banking fears will dissipate now that the government has stepped in - as illustrated by the XLF closing green on Monday. Looking at the daily timeframe, ALLY is oversold with the RSI at 30 so I am expecting a bounce over the next few weeks. Long-term, I think ALLY will trade in a sideways channel between the $23.80 support and $34 resistance until a strong catalyst is able to break it out. But for now, I’ll take a swing here with a stoploss at $23 and my take profits at $27.05 and the 50MA. $NU: https://preview.redd.it/1x33g57f84pa1.jpg?width=1600&format=pjpg&auto=webp&s=2e1b3757785d4d1a40bd84ea5607052fd7d5c833 Compared to ALLY and SOFI, NU has not dropped as dramatically, which is likely due to its exposure to Latin American markets rather than the US. The stock is currently trending downwards within the sideways channel. The stock is testing the 200 MA on the daily chart, if it breaks through it I will be going short with the lower trendline as my take profit and the 50 MA as my SL. |
2023.03.21 16:08 FlyWithSeedyL Release Notes - Sim Update 12 [1.31.22.0] Available Now
RELEASE NOTES 1.31.22.0
If you are playing on PC, outdated packages in your community folder may have an unexpected impact on the title’s performance and behavior.If you suffer from stability issues or long loading times, move your community package(s) to another folder before relaunching the title.
[All Versions] How to Install a New Update Safely
NEW CONTENT/FEATURES
- Optimized the “Checking for updates” phase to reduce the booting time of the simulator; improved the download speed in the installation manager; improved loading time before booting to the main menu
- Added a new assistance option to customize the intensity of turbulence experienced during flight (based on current altitude, environment, and weather conditions).
- Turkish and Korean languages have been added into the sim
- Added an input key to toggle Flight Assistant Panel
- Spotlight Event Pack: a pack of activities is now available in the Marketplace, which contains a curated selection of 13 Spotlight Events from the past. Please note: completing these activities will not count towards Spotlight Event related achievements.
General Bug Fixes
- Several crashes have been fixed across the title
- Fixed a bug in the purchase flow of MSFS Marketplace
- Keyboard shortcut to toggle Screen Narrator on/off has been added
- Control Options menu stops reset to top when assigning a button.
- “Set Departure”, “Set arrival” & “Zoom to Details” are now appearing when Airport Icon is clicked
- Fixed aircraft visibility issues with their interior and exterior model
- Corrected an issue that caused some multiplayer planes to display a purple texture on their Glass cockpits.
- Fixed Engine Governor being incorrectly labeled
- Fixed game freeze during boot
- Added parameter to cfg that allows to fix the legacy flight model integration of the accelerations that was causing wrong accelerations and g-force calculations in the legacy flight model. Integrated collision constraint response into the force calculation for g force estimation when on ground. This allows to have 1.0 when still on ground even with some suspension systems that don’t have enough force to counter gravity.
- Fixed issues in the building generation that could caused crashes
- Various localization improvements
Menu
- Fixed airport considered as water if runways have undefined surface type
- Added Weight & Balance visualization for rotorcraft.
Navigation/Traffic
- [Partially Fixed] Glass cockpit externalization has been reworked. There’s no intermediate window anymore; each glass cockpit opens a distinct window with the glass cockpit name. Window position and size is saved when ending a flight.
- With multi-layout screens cockpits, mouse collision for glass cockpit externalization is now received only by the current active glass cockpit.
- Navlog timer no longer resets when user closes and reopens it
- Fixed SimConnect injected traffic planes not following the assigned flight plan
- Fixed live traffic planes incorrectly following departure procedures
- Fixed live traffic planes staying stuck at hold short in some airports
- Fixed live traffic planes staying at low altitude after takeoff
- Fixed SimConnect injected traffic being often unable to depart from the departure gate
- Fixed traffic planes causing performance issue in the world map
- Fixed live traffic planes sometimes not showing nameplate
- Fixed live traffic planes sometimes spawning at an incorrect location and unable to move
- Fixed live traffic planes staying at low altitude during go around
- Fixed a crash where ATC uses an invalid runway number
- Glass cockpit: Waypoint with no associated city now show an empty city field instead of random characters.
- Glass cockpit: NavigationData expiration year is now properly displayed when date range extends over two years.
Weather
- [Partially Fixed] Heat only thermals are limited in height up to the cloud base (except under clouds)
- Limited and tuned negative thermals around clouds and hot ground.
- Reduced thermals close to ground.
- [Partially Fixed] Improved thermal slanting and cloud alignment.
- Reduced “blue” hot ground thermals in rain, with altitude and with high winds
- Reduced mountain turbulence with altitude
- Maximum vertical wind speed in storm clouds / TCU has been increased
- Fixed a cloud popping issue when updating Live Weather data
- Fixed a problem where in water presets, water would be iced for the physics but displayed as water in the rendering.
- General Live Weather improvements
- Live Weather now uses server time instead of local time to avoid inconsistent or no live weather
- Date of METAR files is now checked before ingesting the data to avoid replacing current METARs with out-of-date METARs in case of CDN issues; this also reduces bandwidth usage
- Fixed an issue that would potentially stop the game from retrieving clouds
- Fixed an issue where incorrect weather was injected while retrieving new data, potentially causing abrupt wind and pressure changes as well as cloud popping
- Fixed a Rendering issue where clouds were ghosting into the sky at horizon
Activity
- Fixed various issues on leg start in bushtrips
- Training activities are now recorded in logbook
- Fixed an issue that caused the P-51 to run out of fuel too early in Reno races
- Fixed an issue that could cause the engines to shut down when first starting a mission.
- In Bushtrips, the Description Box displays incorrect values for the Flight Length, Flight Duration, and Number of Legs
Glass Cockpits
Garmin G3000 / G5000
- Fixed incorrectly rendered lists when the number of items in the list was very large.
- Fixed various instances where FMS would not automatically tune the primary approach frequency when loading or activating ILS/LOC/LDA/SDF/VOR approaches.
- The GTC Airport Information page will now display the primary approach frequencies for all ILS/LOC/LDA/SDF approaches at the airport in the Freq tab.
- The PFD traffic inset map’s range labels are now always displayed in the bottom left to avoid conflicts with other map elements.
- Fixed long approach names from overflowing the approach button on the GTC Select Approach page.
- Miscellaneous map memory optimizations.
- Fixed a bug where on-route direct-tos incorrectly inherited the turn direction of their target legs.
- Fixed a bug where the initial course of an on-route direct-to was set in true degrees instead of the expected magnetic degrees.
- Fixed a bug where the flight plan would become corrupted when syncing a world map flight plan with an approach and at least one enroute waypoint but no departure or arrival.
- Advanced VNAV no longer tries to capture descent altitude constraints during climb phase.
- Added aural alerts for TIS/TAS/TCAS traffic and resolution advisories.
- Added support for choosing aural alert voice type (male/female).
- Enabled the Direct-To buttons in the GTC Waypoint Information and NRST pages.
- Most aural alerts that trigger at the same time will now be played back in a queue instead of overlapping each other. Note that some alerts are still allowed to overlap others.
- New CAS warning and caution messages are now accompanied by an aural chime.
- The active NAV source is now reset to FMS when the system is power cycled.
- Fixed a bug where the VSR navigation data bar field always displayed dashes (‘––––’).
- Selecting a waypoint in the GTC Direct-To page (either via the keyboard or the Nearest tab) that matches the current Direct-To target will now load the appropriate existing Direct-To information.
- Selecting a waypoint in the GTC Direct-To page (either via the keyboard or the Nearest tab) that is in the primary flight plan will now cause an on-route direct-to to be created when the Activate button is pressed.
G1000 Nxi
- Fixed an issue that caused the G1000Nxi to pan very slowly in Legacy interaction mode
Garmin GNS430W / GNS530W
- Fixed some page navigation issues where the right knob push would not close dialogs
VFR Map
- Fixed an issue where the plane’s CDI source would change when opening the VFR Map
- Optimizations for reducing memory usage
- Added support for VR in-game panel zoom axis
Aircraft
General
- FLO mode transition now takes into account density altitude
- Fixed Load % to display the correct individual engine power.
- Fixed a bug on WASM & TS glass cockpits using the zero pitch line of the PFD. The line now represents the 0° of the aircraft
- Fixed contrail effects on some planes
- Corrected an issue that caused the P-51 Bunny to display a white screen instead of the radio.
- [Partially Fixed] an issue that caused some lights on the B747 and A320 to incorrectly react to interaction with their controls.
- Corrected an issue that caused LEFT/RIGHT_AXIS_BRAKE_SET to incorrectly affect both brakes.
- [P-51 Mrs Virginia] Landing gear doors animations are now working correctly
- External HUD : Variometer is no longer displayed on external HUD when not relevant to the aircraft.
- [Checklists] Fixed inconsistent XML parsing behavior between PC and consoles
- [Known Issue] LS8 can be pushed towards the ground when using winch launch method
Helicopters
- Engine power jump was reduced during the governor activation.
- Added an engine trimmer. If the helicopter has this feature, it is now possible to slightly change the nominal engine/rotor RPM that a governor is trying to maintain. Please, refer to the new input commands in the Control Options menu: “ENGINE TRIM RPM INCREASE” and “ENGINE TRIM RPM DECREASE”
- The throttle control logic for multi-engine helicopters has become more consistent.
- Fixed Tail rotor increment for better controllability with gamepad Helicopter profile (without tail rotor assistance)
Airbus 310-300
- Significant sound improvements in all areas of the aircraft (numerous reports are covered in this).
- External lights adjusted for a more realistic experience.
- Pressure system bug resolved.
- Improvements to T/D logic.
- Flight deck door resolution improved on Base version.
- FMS symbol tweaked to be more realistic.
- VOR* to VOR transition in capture bug resolved.
- Landing weight calculations on FMC for imperial fixed.
- Sliders added in EFB.
- VOR1 RMI disappears when overlapping VOR 2 needle bug fixed.
- SPD LIM mode premature bug fixed.
- Galley latches repositioned to closed position.
- Console unit flood light moveable.
- Trim wheel integral light now added.
- Glass added on outstanding cockpit gauges.
- Added magnetic variation to navaids.
- Autobrake commands added for hardware.
- INIT B & LW bugs fixed.
- RSK a waypoint to VERT REV bug fixed.
- Loading co-route character removal bug fixed.
- Custom PBD can now be added on new waypoint page and entering directly into F-PLN.
- When selecting INHG in options, perf calc bug fixed.
- Negative temperatures in EFB, now inserting correctly.
- vPilot COM 2 bug fixed.
- Sticker on door bug fixed.
- Cargo doors now use brake accumulator.
- Chrono bug fixed.
- SEC FPLN crashes fixed.
- CG prompt in FUEL PRED adjusted to ZFWCG.
- Some light leaking fixed.
- ATC/AI audio bug fixed.
- Triggering secondary approach more than once crash fixed.
- VHF2 and 3 now audible in cockpit.
- Volume knob pull to mute working in A310.
- Players voice now heard when talking to ATC.
- Fuel page line amber when it should be green.
- EFB checklist upon scrolling bug fixed.
- Brake accumulator logic improved.
- LBS when over 100,000 clipping fixed.
- Extra fuel/time now gets calculated when an ALTN is selected.
- EMER LTs state in Cold and Dark bug fixed.
- ATHR to GA keybind bug fixed.
- INIT B selecting values bug fixed.
- Stab trim movement during different HYD pressure bug fixed.
- Overall hardware compatibility improved with HoneyComb Bravo, Saitek panels.
- APU fire test conditions logic improved.
- Ailerons position bug fixed in 15/0 state.
- VONavaid Identifier Sound not working fixed.
- Unable to query sim waypoint database from REF page fixed.
- Fixed HSI changes on selector in flight deck.
- Wiper no longer moves with no power.
- Fixed loudspeaker not making sound.
- Fixed issue where aircraft systems freeze mid-flight.
- Entered temps not appearing on weather page of f-plan fixed.
- Expose current altimeter reference value fixed.
- Fire Loop lights on switched to AC ESS instead of AC EMER bus.
- ADF needles now point to true bearing not magnetic.
- Fixed abnormal behavior when choosing NONE STAR approach and transition.
- WASM API nav data waypoint structure adjusted.
- Updated translation files.
Bell 407
- Engine performance increased to match more closely the real-world behavior.
- Now it is easier to overstress the rotor RPM and torque under heavy load.
- The helicopter is easier to stabilize now in cruise flight with trim and assistances turned off.
- Low rotor warning sound now sounds when the battery is switched on.
- Annunciators illumination is stronger now in DIM mode.
- Altimeter barometric scale values now match up with the simulator values.
- Gauge illumination is toned down preventing it to being overblown on maximum brightness settings.
- Auto-trim switch has been removed.
- Force trim switch has been removed.
- Pedal stop functionality added (limits left pedal movement during flight) above 50 kts.
- Rotor rotation animation in multiplayer is now functioning.
- Rotor brake is functional again.
- Used fuel type in the weight and balance settings is JET fuel.
- Added Turkish language translation.
- Added Korean language translation.
- Pedal animation on the connecting rod is fixed.
- Interior collider adjustments. The camera doesn’t clip into the main panel anymore.
- VR support adjustments. Full VR support.
- Reference cruise speed now shows the correct value on the aircraft selection screen.
Boeing 747-8 Intercontinental
- Fixed an issue that could prevent part of the speed brakes from properly triggering on the 747.
Guimbal Cabri G2
- START mode behavior improved on EPM
- Better synchronization between engine RPM and rotor RPM
- In Direct To Page, magnetic bearing is displayed instead of true bearing
- Throttle handle animation is now working correctly
- Fixed miro drift on ground contact with helicopters. Fixed Cabri skid suspension settings; Cabri now stable on ground.
Cessna 172 Skyhawk G1000
- Fixed ground steering during takeoff to compensate for crosswind
Cessna Citation CJ4
- MFD: Fixed battery electrical indications always showing 0
- AP: Fixed altitude capture not engaging in TO vertical mode
- Disabled unused COM3 radio receiver
- Adjusted brightness of Standby Indicator
- Fixed the AoA indexer not indicating the correct AoA
- Fixed sim checklist stuck in After Starting Engines checklist
- Fixed wrong state indication on APPR button tooltip
- FMC: Fixed ARRIVALS page not working when airport features approaches not tied to a specific runway
- FMC: Fixed discontinuities piling up when editing procedures
- YD/AP DISC Bar now disables the Yaw Damper
- Fixed Overspeed Warning audio not always working
- Fixed an issue with the Direct To initial Course being incorrect
- Fixed an issue where the FMA would always show LOC1/VOR1 even when nav source is NAV2
- TOGA button on the Thrust Lever is now active
- Added automatic VOR tuning functionality
- Added the FLT LOG page to the FMC and flight tracking
- The FLT LOG page will show on the FMC after landing based on the setting in DEFAULTS
- Added ability to ident the transponder on the FMC ATC CONTROL page
- Fixed an issue where fuel used tracking on FUEL MGMT page 2 was not correct
- Reduced pitch instability and adjusted elevator authority, tweaked roll rates at various speeds to keep light control feel but reduce excess performance
- Adjusted flaps to achieve a better compromise between approach angle and flaps pitch/lift moments, reduced flaps drag at both flaps levels
- Slightly increased top end engine thrust to address a few reports of insufficient climb power
- Increased gear down drag
- Increased gyro stability to reduce excessive turbulence impact
- Adjusted load stations to be more in line with real loadout
- Added additional groundwheel friction to avoid skidding during moderate crosswind landings
- ILS data is now loaded from the approach FAF origin facility to allow for nav-to-nav and auto-tune even when scenery runway data does not have the appropriate ILS reference information
- Fixed bugs related to visual approach loading and visual approach vnav guidance
- Fixed missing basic aural alerts
- COM input now allows to enter 136.xxx frequencies
- Limit types of airports displayed on the map to show only suitable ones
Cessna Citation Longitude
- Fixed incorrect pitot heat logic.
- Fixed the AILERON(S)_LEFT/RIGHT key events commanding ailerons in the opposite direction as intended.
- The engine auto-start and auto-shutdown procedures (Ctrl-E and Ctrl-Shift-E) now function correctly.
- The standby instrument now automatically adjusts its backlight levels.
- Autothrottle no longer requires gear and flaps to be retracted to change from TO mode to SPD/CLIMB/DESC modes.
- Taxi auto-tests now require engines running to begin evaluating.
- Fixed broken external animations for non-default liveries.
- Fixed incorrect load station count in cfg, and adjusted passenger load positions to match standard 8-seat configuration.
- Increased ND elevator trim limit to prevent AP from running out of trim authority at low altitudes and high speeds.
- Fixed AFCS control panel APR button tooltip.
- Added BRAKE FAIL and GENS OFF aural alerts.
- The G5000’s active NAV source now defaults to FMS when starting a flight.
- The AFCS control panel UP/DN wheel now changes pitch reference when the AP is in PIT mode.
- Fixed broken rotate animations on the CRS knobs.
- The 500-foot touchdown callout will now sound as appropriate. Also added other touchdown callouts from 450 to 50 feet.
Curtiss JN-4 “Jenny”
- Fixed in VR elevator not moving.
- Fixed engine audio from nearby Jenny aircraft can be heard within cockpit.
- Added Phone EFB with Compass, Indicated Air Speed, Radio and XPDR functionality tied to core sim.
- Added electrical system for the EFB.
- Added EFB section to the Flight Manual.
- Added right bracket in cockpit to Show/Hide EFB.
Daher TBM 930
- Increased maximum nose wheel steering angle to 28 degrees, and increased speed at which nose wheel steering starts becoming less effective to 10 knots.
- [Partially Fixed Increased brightness of taxi and landing lights.
- Pulse lights no longer draw additional power when landing lights are on.
- Fixed broken door animations for non-default liveries
- Fixed handling of electrical battery key events.
- Improved compatibility with hardware that send electrical battery and external power key events every frame.
- Fixed AFCS control panel APR button tooltip.
- The overspeed, stall, and landing gear aural alerts will now sound as appropriate.
- The G3000’s active NAV source now defaults to FMS when starting a flight.
- Fixed broken rotate animations on the CRS knobs.
Darkstar
- Fixed several issues related to entering a frequency on the transponder of the Darkstar
- External Camera display now rotates without stretching the view.
DG-1001E
- Improved adverse yaw, balance, handling qualities and spoiler drag
- Improved stall to match stalling characteristics as described in the flight manual (wing drop)
- Winch launch now requires the technique as described in the DG-1001E flight manual: "During ground roll and initial take-off push the control stick to a forward position to prevent excessive nose-up pitching rotation during initial take-off. After reaching safety altitude gradually pull back on the stick, so that the glider will not pick up excessive speed. Don’t pull too hard. After reaching release altitude pull the tow release knob. Recommended winch launch airspeed 110-130 km/h (60-70 kts.).
Douglas DC-3
- Upside down illegible writing on rear door stairs in Blue stripe Livery.
- Landing light switches are no longer reversed.
- Underside beacon light illuminates correctly.
- Multiple items can now be manually completed with evaluation mode.
- Landing gear text decal is no longer obstructed by open passenger door switch.
- DC-3 Aux tanks correctly feed the engine.
- HUD correctly indicates state of flaps.
- DC-3 cockpit model - Nose rivets remade.
- With the propellers feathered moving the prop control affects all the propellers.
- DC-3 cockpit model - Screws no longer clip through window frame.
- Beacon Light switch is targetable.
- Instrument texture no longer disappears when zooming out in external/showcase view.
- The user can’t hear the wind on takeoff even if all audio is turned off.
- Red yellow cargo image in liveries selection is consistent with livery in free flight.
- Blue stripe image in liveries selection is consistent with livery in free flight.
- Image for ole dusty livery in selection screen does match the livery in free flight.
- Mesh switch turns off and now the state of the switch correctly indicates it is off.
- Carb Air temperature correctly matches sim.
- Beacon light underneath fuselage can now be turned on.
- There is now a switch in cockpit to toggle on/off beacon light.
- Quickview 3 in cockpit camera is positioned correctly.
- Tooltip indicates correct state of Master Ignition switch.
- Off position on the right fuel selector now fixed.
- Cold dark switch use failing to show fuel pressure is fixed.
- Checklist for starting engine now says to wait 2 seconds.
- Scroll wheel issue with Desired Heading knob has been recoded.
- Spawning at night on runway, Cockpit lights now are on.
- Typo present in Hangar Description has been rectified.
- DC-3 Thumbnails now match the model.
- AUX Fuel gauge needles are fixed.
- Incorrect string on AUX fuel weight and balance fixed.
- Hole in cargo doors from inside cargo bay hold fixed.
- Various light leaks fixed.
- Texture improvements throughout the model(s).
Grumman G-21 Goose
- Fixed duplicate key name errors.
- Fixed cockpit camera clipping through floor.
- Fixed typo in cockpit placard.
- Fixed typo in loading screen trivia.
- Fixed engine audio from nearby Goose aircraft can be heard within cockpit.
- Added Phone EFB with Radio and XPDR functionality tied to core sim.
- Added Switches to Show/Hide EFB and Turn ON/OFF Avionics (including switch audio and decals).
- Added EFB section to the Flight Manual.
- Updated translation files.
H-4 Hercules “Spruce Goose”
- Yoke interaction with VR controllers simulate a yoke instead of a flight stick.
- Weight and Balance screen no longer contains debug text.
- Flying very far past Vne now triggers a crash.
- Modern avionics added.
- Clipboard updated with new features.
- Auto-pilot added.
- Green navigation light orientation.
- ATC/ICAO params.
- Prop animation issue on one side.
- Clipboard items missing check once clicked.
- CHT, Oil, Radiator temperatures have been adjusted.
- The blurred propellers no longer cast shadows.
LS8
- Improved adverse yaw, stall and spoiler drag
Ryan NYP “Spirit of St. Louis”
- VR controller interaction influence fixed.
- Multiplayer Art issue fixed (the front was hidden on other Ryan).
Wright Flyer
- VR users can launch the aircraft properly now, the throttle is automatically set to 100% once the catapult is triggered.
- Cockpit collision added.
World
- Fixed Statue of Liberty standing in water
Airport
- Fix terraforming issue on taxiway at HECA
- [Partially Fixed] Fix taxiway bridge issue at RJTT causing aircraft crashes
- Fixed Queenstown airport not updated with World Update 12
- Fix taxiway bridge issue at SBGL causing aircraft crashes
- [Partially Fixed] Fix taxiway bridge issue at LFPG causing aircraft crashes
- Fixed wrong airport names in Australia (Coober Pedy)
- Fixed terraforming issues include the crack on runway 26 at ESSA
- Fixed the possibility to set a seaplane base as departure without a seaplane
World Update 1 – Japan
* POIs:
- Fixed Rainbow Bridge night texture.
- Nagasaki Airport RJFU:
- Fixed Control Tower LOD transition.
- Added collisions for few missing objects.
- Hachijojima Airport RJTH:
- Fixed windsock direction behavior.
- Fixed multiple objects LOD transition.
- Added collisions for few missing objects.
World Update 2 – USA
* POIs:
- Fixed Alcatraz Water Tower LOD transition.
- Fixed the satellite imagery cab be seen on the terrain below New River Gorge Bridge.
- Added marker to Lowry Avenue Bridge.
- Fixed Rainbow Bridge Niagara Falls texture.
- Fixed Haystack Rock position over terrain.
- Fixed US Grant Bridge textures and blend with the aerial imagery.
- Fixed Yosemite El Capitan terraforming clipping.
- Fixed terrain and imagery blending of the Lewis and Clark Bridge.
- Fixed Navajo Bridge terrain blending.
- Fixed collisions size of the Monument Valley.
- Fixed Rainbow Bridge Niagara Falls LODs transition.
- Added collisions to the US Air Force planes on the Airport Graveyard.
- Fixed United States National Arboretum is missing textures near the top of the pillars.
- Fixed Glen Canyon Dam ground textures clipping through the Dam.
- Added missing building to the National Radio Astronomy Observatory.
- Added collision to Bixby Creek Bridge.
- Fixed United States Capitol LOD transition.
- the Las Vegas Strip is now searchable by name.
- The Rainbow Bridge, Niagara Falls.
- Fixed Fort Knox LOD popping.
- Added collisions to Sunshine Skyway Bridge buildings.
- Fixed missing texture on Lowry Avenue Bridge.
- Atlanta Airport KTAL:
- Fixed the Ground services clipping at parking RAMP 312 CARGO, parking spot N ramp 312 and airliners gate H-4.
- Fixed flipped textures of Delta hangar and Atlanta Fire Rescue buildings.
- Added collisions to all buildings.
- Fixed Bridge on a taxiway.
- Fixed night lighting disappears at short distances.
- Friday Harbor Airport KFHR:
- Fixed few terraforming issues.
World Update 3 – UK & Ireland
* POIs:
- Fixed Goodison Park LOD popping.
- Added and improved collisions for the following POIs: 100 Bishopsgate, Wembley Stadium, Blackpool Tower, Durham Cathedral, Floors Castle, The Blair Castle, Blenheim Palace, The Royal Botanical Gardens, Goodison Park, The Eden Project.
- Fixed St James Park missing texture.
- Fixed Emirates Stadium model and textures (include misspelling billboards).
- Fixed Eilean Donan Castle Vegetation clipping.
- Fixed Canterbury Cathedral LOD pops.
- Fixed Stamford Bridge LOD 1 and LOD 2 switched.
- Fixed Blackpool Tower texture clipping.
- Fixed Kew Garden floating bespoke building.
- Removed TIN spikes around St. James Park stadium.
- Fixed Windsor Castle LOD popping.
- Fixed Pontcysyllte Aqueduct LOD popping.
- Fixed Glass Pod on British Airways I360 position popping at different distances.
- Fixed Goodison Park missing textures under Sunroofs.
- Fixed Floors Castle texture and Added missing texture.
- Fixed Scotland flag display on Edinburgh Castle.
- Fixed Archbishop’s Palace Maidstone texture and LOD popping.
- Fixed Villa Park Stadium LOD popping.
- Fixed Kew Garden alignment with the satellite imagery footprint.
- Fixed Anfield Stadium LOD popping.
- Fixed Glamis Castle Grass vegetation clipping.
- Fixed Caernarfon Castle displaying.
- Fixed Wales Millennium Centre LOD transition.
- Fixed Forth Rail Bridge’s Northside pillar missing textures.
- Fixed Forth Rail Bridge displays Cars climbing.
- Fixed Twickenham Stadium and York Minster LOD popping.
- Liverpool John Lennon Airport EGGP:
- Removed Light pole in middle of a taxiway.
- Added missing collisions to multiple buildings.
- Barra Airport EGPR:
- Fixed few taxi path issues.
World Update 4 – France &Benelux
* POIs
- Fixed the Mont Aiguille collision. It is now possible to land at its top.
- Fixed Stade Jean-Bouin collision.
- Fixed Stade Vélodrome LOD transition.
- Nice Cote Airport LFMN
- Fixed runways center lines missing in both runways.
- Fixed waypoints and nav procedures issues occurred.
- Added collision to multiple buildings.
World Update 5 – Nordics
* POIs:
- Fixed Viking Stadion / SR-Bank LOD popping.
- Fixed Road traffic driving underneath Storseisundet Bridge and Svinesund Bridge.
- Fixed Petäjävesi Old Church and Uddevalla Bridge displays double markings.
- Fixed Cars driving through Copenhagen Opera House.
- Fixed Copenhagen Opera House LOD popping.
- Added collisions to the Tjörn Bridge.
- Fixed Kullen Lighthouse vegetation clipping.
- Fixed Øresund Bridge terraforming issue.
- Fixed Brøndby Stadium spawning.
- Fixed the Bolt Arena missing collision.
- Fixed Roskilde Cathedral Cars driving up the building.
- Fixed Helsinki Ice Hall LOD popping.
- Fixed Blue Water Arena missing collision.
- Fixed Arctic Cathedral LOD popping.
- Fixed Aalborg Stadium missing collision.
- Fixed Tromsø Bridge Road traffic under and beside the Bridge.
- Fixed floating TIN artifacts/crane near Helsinki Olympic stadium.
- Fixed Hallgrímskirkja Church missing collision.
- Fixed Eleda Stadion LOD popping.
- Fixed Ullevaal Stadion LOD transition.
- Added collisions to the Ylisto Bridge beams.
- Fixed Sparebanken Sør Arena LOD popping.
- Fixed Sölvesborg Bridge vegetation clipping.
- Stockholm Arlanda Airport ESSA:
- improved LOD transition of several buildings.
- Added collisions to all buildings.
- Fixed terraforming issues include the crack on runway 26.
- Fixed big crack in runway 26.
- Svalbard Airport ENSB:
- Added missing collision to Airport hangar.
World Update 7 – Australia
* POIs:
- Fixed occasional displacement of dynamic flags on Sydney Harbour Bridge.
- Fixed vegetation clipping and placement issues at Anzac Bridge, Sydney.
- Fixed vegetation clipping at Mooney Mooney Bridge.
- Fixed flashing geometry on Tasman Bridge, Hobart.
- Adjusted photogrammetry exclusions at 568 Collins Street, Melbourne.
- Minor enhancements at several other locations, e.g., clipping vegetation or water exclusions.
- YSHL Shellharbour Airport:
- Minimized visible LOD changes of hangars and other buildings.
World Update 8 – Iberia
* POIs:
- Fixed location of Fort of Sao Joao Baptista and Covão dos Conchos.
- Fixed or adding collisions:
- Oscar Niemeyer International Cultural Centre.
- Royal Palace of Madrid.
- the Museu Nacional d Art de Catalunya.
- the Estádio Algarve.
- Bom Jesus do Monte.
- Alqueva Dam.
- Aldeadavila Dam.
- the Museum of Art Architecture and Technology.
- Estadio Jose Alvalade.
- Fixed LOD popping:
- Montjuic Castle.
- Estadio Da Luz.
- Episcopal Palace of Astorga.
- Covão dos Conchos.
- San Pablo Bridge.
- Torre Mapfre.
- Basilica de La Sagrada Familia.
- Oscar Niemeyer International Cultural Centre.
- Puente Nuevo.
- Fort of Sao Joao Baptista.
- Estádio Municipal de Aveiro.
- Estádio do Dragão.
- Hotel Arts.
- Observatorio Roque de los Muchachos.
- El Monumento Natural de los Mallos de Riglos.
- Palacio de Deportes de Santander.
- Catedral de Leon.
- the Alamillo Bridge.
- Fixed Montjuic Castle vegetation clipping.
- Fixed Z-fighting in front of the Museum of Art Architecture and Technology.
- Fixed Estádio Cidade de Coimbra double markers.
- Fixed Puente Nuevo Cars path.
- Fixed Guadiana International Bridge 2D footprints over the satellite imagery.
- Fixed Freixo Bridge- car traffic driving up below the Bridge.
- Fixed Third Millennium Bridge Cars traffic issue.
- Fixed Maria Pia Bridge- Cars climbing up to top of Bridge.
- Fixed Luís I Bridge displays Cars traffic path.
- Fixed Santiago Bernabeu Stadium seats texture.
- Fixed Castillo de Santa Barbara texture gaps.
- Fixed the animation of the Gondola on the Vizcaya Bridge.
- Fixed Bom Jesus do Monte trees clipping into the building.
- Fixed Alqueva Dam texture.
- Fixed Alcázar de Segovia terrain clipping.
- Fixed Pena Palace trees clipping into the POI.
- Fixed El Flysch Zumaya and El Capricho Villa POIs name spelling.
- Fixed Rande Bridge Cars path and trees clipping into the POI.
- Fixed Aldeadvila Dam vegetation clipping.
- Fixed Alcázar de Segovia trees clipping into the POI.
- Fixed El Monasterio de El Escorial Z-fighting.
- Fixed Monumento a Alfonso XII Z-fighting.
- Fixed 516 Arouca bridge vegetation clipping.
- Pico Airport LPPI:
- Fixed double windsocks.
World Update 9 – Italy & Malta
* POIs
- Fixed Duomo Di Orvieto LOD popping.
- Added missing collisions to Basilica San Francesco.
- Fixed Torri Di San Marino LOD popping.
- Fixed Diga Di Santa Giustina terrain LOD popping.
- Added missing collision to Torri Di San Marino.
- Fixed Faro Di Capo Caccia cliffs collision.
- Fixed Castle of Corigliano Calabro vegetation clipping.
- Fixed Fort Manoel collision.
- Fixed Castello Di Graines collision.
- Fixed Caserta Royal Palace collision.
- Fixed Place Moulin Dam vegetation clipping.
- Fixed Fénis Castle textures issues.
- Fixed Potola Palace bridges terrain blending.
- Fixed Fort St Angelo vegetation clipping.
- Fixed Castelsardo invisible terrain issues.
- Fixed Palazzo Pitti Z-fighting and LOD popping.
- Fixed Fort St Angelo vegetation clipping.
- Fixed National Stadium Ta’Qali collisions.
- Fixed Fénis Castle vegetation clipping and Added collisions.
- Fixed Parish Church of Mellieha missing textures.
- Fixed Mi.Co. Gate 2 vegetation clipping.
- Fixed Basilica San Francesco vegetation clipping.
- Fixed Maxxi the National Museum collisions.
- Fixed Lighthouse Of Genoa powerlines, DEM and generic buildings clipping.
- Fixed Allianz Stadium vegetation clipping.
- Fixed Viadotto Sfalassa vegetation clipping.
- Fixed Basilica Di San Pietro vegetation and TIN clipping.
- Fixed Basilica Di San Petronio TIN clipping.
- Added missing collisions to Stadio Marcantonio Bentegodi.
- Fixed Castelsardo Z-fighting and vegetation clipping.
- Fixed Grotta Di Nettuno vegetation clipping.
- Marina Di Campo Airport LIRJ:
- Fixed double windsocks.
World Update 10 – USA
* POIs:
- Fixed Mount Washington Hotel terraforming.
- Fixed National Park of American Samoa’s Marker position.
- Fixed textures stretched in Royal Gorge Bridge & Park’s Rock.
- Fixed Z-fighting on the roof of the Getty Museum.
- Fixed the Smithsonian National Museum of American History display name.
- Fixed the Cabo Rojo Lighthouse marker position and windows textures issues.
- Fixed the vegetation clipping into the Independence Temple.
- Fixed the New Orleans bridges collisions.
- Fixed the US flag in Little Rock Central High School National Historic Site.
- Fixed the Longaberger Company headquarters and Fort Massachusetts collision.
- Fixed LODs transitions for the following POIs:
- Split Rock Lighthouse.
- Kentucky State Capitol.
- Indian River Inlet Bridge.
- World War II Memorial.
- Cabo Rojo Lighthouse.
- Yerkes Observatory.
- Montana State.
- Mount Washington.
- Theodore Roosevelt Dam.
- the Independence Temple.
- Fort Massachusetts.
- National Gallery of Art.
- Lake Tahoe Airport KTVL:
- Added collisions for few missing buildings.
- Block Island Airport KBID:
- Added collisions for few missing buildings.
- Dallas Forth Worth Airport KDFW:
- Fixed few terraforming issues in the airport.
- Runways types are now defined.
- Others:
- Fixed the Water cracks present at Seven Seas Lagoon near.
World Update 11 – Canada
* POIs:
- Fixed TIN buildings exclusion near Hatley Park National Historic Site.
- Fixed blend of Samuel de Champlain Bridge surrounding terrain.
- Fixed the double markers of the One on the World map.
- Fixed Cars floating above Pierre-Laporte Bridge.
- Fixed Cars flow over Jacques Cartier Bridge and Angus L. Macdonald Bridge.
- Fixed big Nickel POI name.
- Fixed the vegetation clipping through Burrard Street Bridge.
- Fixed Z fighting on the Canadian Museum for Human Rights.
- Fixed LOD popping of Cape Bonavista Lighthouse cliffs and Cape Spear Lighthouse National Historic cliffs.
- Fixed the vegetation clipping into the zipline at the Cape Enrage Lighthouse.
- Fixes Pierre-Laporte Bridge terrain alignment.
- Fixed the vegetation clipping into the A. Murray MacKay Bridge and Thousand Islands Bridge.
- Fixed Lions Gate Bridge alignment with tterrain and road.
- Fixed terrain spikes going through Jacques Cartier Bridge.
- Fixed Holes in terrain all around Citadel Hill (Fort George).
- Fixed terrain LOD popping around Parliament of Canada.
- Fixed terraforming at the Canadian Museum for Human Rights.
- Fixed TIN data displays next to Fisgard Lighthouse.
- Added missing building on the Canadian High Arctic Research Station.
- Added missing building for the Cambridge Bay Radar Station.
- Fixed collisions of Jacques Cartier Bridge, The Lions Gate Bridge and The Canadian Museum for Human Rights.
40th Anniversary Edition / Sim Update 11
- Meigs Field KCGX:
- Fixed Z-fighting in runway and tarmac.
- Fixed taxi to parking after landing.
- Starting in KCGX helipad while helicopter is selected is now available.
- ATIS is now available.
- Hong Kong Kai Tak Airport VHHX:
- Added collisions to multiple buildings.
- Fixed the too low glideslope.
- Fixed the ILS range for runway 13.
- ATIS is now available.
- Princess Juliana Airport TNCM:
- Added collisions to few missing buildings.
- Fixed the LOD transitions.
- First Flight Airport KFFA:
- Fixed Z fighting on pathway.
- Helipads/Heliports:
- Lingotto Building LIBH:
- Fixed the too High collision preventing smooth landing.
- Fixed Z- fighting on the roof of the building.
- NYC Heliport KJRB – Added collisions for few missing items.
- Tokyo Heliport – Added collisions for few buildings.
- US Bank Tower Helipad:
- marker is now centered over the helipad.
- Fixed LOD transition.
- Heliponto Mirante Dona Marta SMDH:
- Heliport collisions has been fixed.
- Fixed LOD transition.
- Menara Telekom Tower Helipad:
- marker is now centered over the helipad.
- Fixed Z-fighting on Water near the tower.
- Bitexco Financial Tower – Fixed LOD transition.
- London Heliport EGLW – Removed building appeared inside the Airport perimeter while photogrammetry is off.
- Needles Lighthouse – Lighthouse Light is now spinning.
- Issy-Les-Moulineaux Heliport:
- marker is now centered over the helipad.
- Lingotto Building LIBH:
- Glider Airports:
- Itakura Gliderport RJT1 – Fixed ground and runway textures.
Game of the Year Edition
- Voloport:
- All Voloports are now possible to use as helipads.
- Issy-Les-Moulineaux Heliport- Voloport is now available as helipad.
- La Defense Voloport is is now available as helipad.
- Fixed LOD transition for all Voloports.
- Fixed Le Bourget Voloport name spelling.
- Lugano Airport LSZA:
- Collision has been Added to multiple objects.
- Fixed floating lights around the airport.
- Fixed Z-fighting on airports’ tennis courts.
Top Gun Maverick
- Fixed the clipping through the rocks at Seneca Rocks Peak.
- Fixed Haines Knob collision is size.
- Fixed collisions in Germany Valley Quarry.
- Fixed French Gulf Marina has LOD transition.
- Fixed LOD popping in Riffle Lake Dam.
2023.03.21 14:45 InternationalWash822 Warren Buffett invested in these Fintech Companies - How does SOFI Measure Up?
 | The fintech industry has seen one of the most exciting growth trends as it revolutionizes how people access financial services. Right now, there are over 30,000 fintech startups and by the end of 2021, fintech investment reached a total of $210 billion. The fintech sphere is only expected to grow, so I believe it is a very attractive industry for investors and Warren Buffet seems to think so too. submitted by InternationalWash822 to pennystocktoday [link] [comments] The Oracle of Omaha has been making large investments in multiple fintech companies. In fact, Buffet has invested over $900M (107.1M shares) in the Brazilian company, Nu Holdings, and $907M (30M shares) in ALLY. This is a huge investment even for someone like Buffett. Nu Holdings is actually his 8th largest investment in terms of shares. This raises the question, why has Buffett invested in these other fintech companies, but not in Sofi? Throughout this post, I’ll be talking about Sofi, ALLY, and Nu Holdings - comparing their pros, cons, and similarities. My goal here is to see if there is room for 3 top dogs in the fintech industry or not. Why has Buffett purchased a lot of shares of Nu Holdings, specifically? For starters, the company has grown its customer base to 70.9 million clients in just over a year since going public. Nu Holdings provides credit cards to people who are not eligible to get one through other banks & tries to minimize risk by reducing the eligible benefits that the customer is initially eligible for. As they pay their bills on time, they unlock more benefits & more credit limits. Another reason is its management. It's no secret that Buffett likes to invest in companies with good management. As he once said, “When we own portions of outstanding businesses with outstanding management, our favorite holding period is forever.” Nu Holdings has recently hired David Marcus (former president of PayPal & former Meta Board member) on March 6 to be part of its Board of Directors. It’s expected that David will play a crucial role in Nu’s journey going forward. The rest of the management team brings a lot of experience to the table as well:
Nu Holdings’ Edge - Brazil’s Unbanked Population Before Nu Holdings started, over 55 million Brazilians were unbanked. This is because it's notoriously difficult for people who are not wealthy to obtain credit cards in Brazil. In general, it's very difficult to get a credit card in Latin America without being one of the wealthy elites. By offering credit cards to people who would not be able to obtain one any other way, Nu has captured a large, untapped market. This is the main reason Nu is as successful as it is today. Compared to SOFI, Nu Holdings has a much larger client base, this is of course due to its operations in Brazil, Mexico, & Columbia which in total have a larger population than the US. Thanks in part to these widespread operations, Forbes listed Nu Holdings as one of the world’s best banks in 2022. Nu Holdings has a larger client base, more revenues, and is growing at a much faster rate than Sofi. The main reason for this is the fact that Nu Holdings doesn’t have as many competitors as Sofi, especially since they focus on an untapped market in Latin America. With Sofi, they have competitors right, left, and center due to established banks and fintech competitors. Nu Holdings became profitable Q3 2022 - only a year after its inception. After making a net profit of $7.8 million in Q3, it went on to make $58 million the next quarter and is on track to report an EPS of $0.02 & $1.393B in revenues in Q1 2023 Whereas SOFI is still struggling to become profitable and is forecast to make an EPS of $-0.077 & $442.262M in revenue in Q1 2023. https://preview.redd.it/517fe3t9i2pa1.png?width=626&format=png&auto=webp&s=158aa08fc0e5eb43bc1517777988d21200732ccb https://preview.redd.it/j2npx01ci2pa1.png?width=622&format=png&auto=webp&s=e72bdae4deb04c74fb2e4b69be83c7d06c0f6de9 *Screenshot taken from Future Investing YouTube* How are Nu Holdings & Sofi similar? But Nu Holdings & Sofi share one very important thing in common. They both want to be a one stop shop for financial services. Since Sofi specializes in student loan refinancing, it creates a bond with younger customers who - hopefully - will turn into lifelong customers that use Sofi for all their banking needs. Similarly, Nu Holdings offers credit cards to customers younger than 18 in Brazil - capturing a demographic of young people who will hopefully become lifelong customers. This means that both companies could continue to grow and expand as their customer base grows older and younger generations adopt their services as well. https://preview.redd.it/ovc89ptgi2pa1.jpg?width=500&format=pjpg&auto=webp&s=3b00c14bfa93afe32b4fdf2bcea562538e114b2b Why has Buffett invested in ALLY? Having invested $1.7B since 2012 in the industry giant, General Motors, you could say Buffet is an expert on the auto industry. Which helps explain why Buffett took an interest in Ally. This fintech company offers multiple services but specializes in the auto loan industry since it once was a financing division of GM, originally known as GMAC. After GM sold the rest of its 8.5% stake in Ally for $900M in 2013, Ally has expanded its market by offering mortgages, credit cards, wealth management, & other services. https://preview.redd.it/6liekr1ji2pa1.png?width=605&format=png&auto=webp&s=35371e326a0eef95abca694e301214fc37b2a922 Another reason Buffett is investing in ALLY could be its history of share buybacks. Buffett is a big believer in stock buybacks and has said they can be the best use of corporate capital. ALLY also offers quarterly dividends to shareholders, which is a sign of the company’s fundamental strength. How does ALLY compare to Sofi? The main difference is the source of Ally’s revenue. 65.6% of Ally’s total revenue in 2022 came from the auto finance industry, while Sofi’s edge is student loan refinancing. In 2019, Sofi generated 59.7% of its revenue from student loans. But it’s worth noting that it can be quite difficult to qualify for student loan refinancing if you have a bad credit score whereas it’s a bit easier for people to get auto loans. https://preview.redd.it/wvzss9cli2pa1.png?width=615&format=png&auto=webp&s=c18ca9f460bb243e20b50511b4cfeb75cdb1c707 How are Ally & Sofi similar? Ally & Sofi both offer commission free stock trading for investors with a high APY as well. Ally’s savings account offers 3.60% APY and Sofi offers 3.75% APY with a direct deposit. This means that with a direct deposit, you’ll earn a higher APY with Sofi, but without one, you’d earn a higher APY with Ally. Both companies offer multiple services such as mortgage loans, credit cards, insurance, etc. and are online banks with no physical locations. Given their different niches, it makes sense that Ally’s customers tend to be millennials while Sofi’s customers tend to be students or fresh graduates. Sofi’s Edge So after going through the pros and cons of all three of these companies, you might be wondering if SOFI has what it takes to gain market share in the growing Fintech industry. I believe Sofi has an edge over these two competitors when it comes to diversification. The two pictures below show the type of services that Sofi & Ally offer. Sofi is constantly trying to increase its market by opening up different services to attract new customers. To name a few:
https://preview.redd.it/ji26in1xi2pa1.png?width=570&format=png&auto=webp&s=dc4061d928758f1c0eefdaafe27c6757f6646cc3 Besides diversification, SOFI’s focus on student loan refinancing is also a plus imo. College education is essential in the US and without a college degree, most people can only get so far in their career. For instance, 53.7% of the US working population in 2021 graduated from college and at least 75% of new jobs require a college degree. When you factor in the average cost of tuition - which has soared 31.4% from 2010-2020 - and that the average student debt among college graduates is $28,000, SOFI is in a great position to profit from this sector. Given this inflationary environment & higher interest rates, I think that demand for student loan refinancing will only increase. This is because employers are constantly looking for people with degrees & the number of jobs requiring this are increasing every year. So it's no surprise that CEO Anthony Noto recently said, “We’d expect the demand for that product (student loans) to really go through the roof and be back to normalized levels that we saw in 2019.” But with the student loan pause in place, SOFI is losing a lot of money. The company stated that it has lost $300M to $400M and is pushing very hard to get a decision passed ending the student loan moratorium. The Supreme Court already heard the oral arguments regarding the case and is expected to give a decision in June. If things are not resolved by then or the Supreme Court rules against federal student loan forgiveness, then payments are expected to resume by the end of August. This is because payments are expected to start up again, 60 days following the ruling. Needless to say this would be a huge catalyst for SOFI and I, personally, believe that the Supreme Court will rule in SOFI’s favor. And the flood of refinancing requests that could come in once this limbo ends could give SOFI’s revenues a much-needed push. With this in mind, June will be a make-or-break moment for SOFI. Now, you might be thinking ‘that’s great and all but what about Buffett’s 8th largest investment by shares? OP is just some dude on the internet, and this is THE Warren Buffett’. https://preview.redd.it/qonrid93j2pa1.png?width=288&format=png&auto=webp&s=013b4d5c65fb57d66bf5dd85ef7e9543f13c4f7f Well, you wouldn’t be wrong. It's hard to argue against Warren Buffett’s logic and I think NU could be a good investment as well, but compared to SOFI, I think that it presents a lot more risk. For one thing, Brazil has just gotten out of one of its worst economic crises in history and with a new government taking over there’s a lot of uncertainty. Corruption is very high in Brazil, and banks which provide their services almost exclusively to the rich in Brazil could use their power to turn the government against Nu Holdings if they feel threatened. Also, giving out credit cards to kids under 18 (even if the card’s benefits are limited) just sounds really risky to me. Given that most people in Brazil are not as financially well off as most US residents, its weaker currency, and struggling economy, Nu Holdings could face the greatest risk of all three companies. But time will tell whether the Brazilian government will make life easier or more difficult for a company like Nu Holdings. So this means that ALLY, which also focuses on the US market for financial services, is probably SOFI’s greatest competition. Both companies have a lot in common, but they’ve chosen to specialize in different niches. So let’s break it down:
Regardless of the potential hit to the automotive sector, when you compare auto loans to student loans you quickly see that student loans take the cake. The market size of the Auto leasing, loans, & sales financing industry is $173.2 billion, while the student loan industry is a massive $1.76 trillion. So Sofi has the upper hand here in terms of the market potential. With college tuition constantly increasing & students entering college year after year, SOFI also has stricter requirements for qualifying for personal loans, such as a credit score of 680 and other factors which make their loans comparatively safer since its clients are more thoroughly vetted. This is good because it allows Sofi to minimize the potential risk of a customer not being able to pay back their loan in the future. Conclusion: So, in conclusion, I think SOFI is in a fairly safe spot as long as the Supreme Court gives a favorable ruling. Since Nu Holdings operates in Latin America it won’t compete with Sofi for market share. Ally & Sofi also have different specializations, but Ally is a more established FinTech company which could take customers from Sofi. Still, SOFI’s goal is to become a one stop shop for all financial services and it has diversified its services extensively over the years which could give it an edge in this industry. Personally, I believe SOFI will be able to grow its customer base better than ALLY because it appeals directly to young adults heading into college. If these customers have a good experience, then SOFI can become their go-to financial service provider for the rest of their life. On this note, the FinTech industry is on track for major growth especially since Covid-19 acted as a catalyst for the industry - leading to wider adoption at a time when contactless payments were becoming essential. Besides this, the FinTech industry will likely continue to grow just out of sheer practicality. For one thing, Fintech cuts down servicing costs like maintaining physical branches while still providing a very high value service. As more and more transactions move online, the digital revolution continues to work in the industry’s favor and the widespread adoption of smartphones means that our phones will increasingly act as wallets. So, it's not surprising that the use of Fintech companies increased 88% from 2020 to 2021. So I'm pretty bullish on three of these stocks for the time being at least. Now for the TA... $SOFI https://preview.redd.it/rrr2t6qri3pa1.jpg?width=1600&format=pjpg&auto=webp&s=f75f0cc4ccb5f94ee14743e50a6988cc67079f2d $SOFI has been stuck in a sideways channel since April 2022. The stock has a strong resistance at $7.59 which it tested on its positive Q4 earnings, however SOFI dropped almost 18% to its support at $5.25 due to market uncertainty. Now trading at $5.20, SOFI is below the 50, 200, and 21 MAs on the daily timeframe. Despite this, I’m expecting a bounce and potential retest of the $7.59 resistance leading up to the Supreme Court decision in June since the RSI oversold at 30. Right now SOFI is fundamentally oversold IMO. I bought 1k shares here as a starter with a stop loss at the $4.92 support. I’ll be averaging down under the $5.25 support or averaging up depending on the trend. My take profits will be the 200 MA, $6.43 resistance and the $7.59 resistance. https://preview.redd.it/5co1e6nvi3pa1.jpg?width=1458&format=pjpg&auto=webp&s=b97304f23081aa807ce1d59ea912bd8895725cbf $ALLY: https://preview.redd.it/dsie3d0mj3pa1.jpg?width=1600&format=pjpg&auto=webp&s=9ffa57a2231b5f47f9456edefb900bcaea469f9b ALLY was in a downward channel all of 2022 but it broke out at the start of 2023 - testing the $34 resistance after earnings. Since then the trend has reversed and is now bearish. The stock touched its $21.91 support mostly due to market turmoil rather than fundamentals. I’m expecting ALLY to break out of this channel like it did at the start of this year when it approached the $34 support. The stock recently tested what was once the upper trendline and bounced off of it which is a bullish sign. Personally, I think that these banking fears will dissipate now that the government has stepped in - as illustrated by the XLF closing green on Monday. Looking at the daily timeframe, ALLY is oversold with the RSI at 30 so I am expecting a bounce over the next few weeks. Long-term, I think ALLY will trade in a sideways channel between the $23.80 support and $34 resistance until a strong catalyst is able to break it out. But for now, I’ll take a swing here with a stoploss at $23 and my take profits at $27.05 and the 50MA. $NU: https://preview.redd.it/79rqip8jj3pa1.jpg?width=1600&format=pjpg&auto=webp&s=13fa8969d4890aa9c704d8b6a2a93f1e96d62335 Compared to ALLY and SOFI, NU has not dropped as dramatically, which is likely due to its exposure to Latin American markets rather than the US. The stock is currently trending downwards within the sideways channel. The stock is testing the 200 MA on the daily chart, if it breaks through it I will be going short with the lower trendline as my take profit and the 50 MA as my SL. |