One of my biggest downsides with these is constantly being told by randos in the lift line how rad my skis are. It gets old. Otherwise, this is...

There’s a waist belt and chest strap so you can leave the zipper unzipped for just that. Hotter than a backpack I’m sure, but I’m not sure how much.

The impending end of ski season annoys the ever loving SHIT out of me. Next season I’m going to do it better. More days. More travel. Better...

Got one for patrol. Lot better than a backpack for skiing, IMO. Fits nice. Well made. Lots of compliments. I have not hiked with it.

Been discussed here plenty, but her ongoing distrust of thermostats, especially in modern cars. I grew up with the red to blue sliders and fan...

Substantial bike purchases in this household the last few days. New Wreckoning on its way to me. Fiancé just picked up a new Process 134 DL 27.5,...

What you do with your sphincter is any given situation is your business.

Some people will lose money. Also, some people will make money.

Likewise, though I’m a poor accountant and an even worse trader. This has been instructive and some of the workiest TGR dialog I’ve engaged in. I...

Last note to your last notes (but not to get the last word): The UST we are talking about are all classified as HTM, so I don’t think we’re actually...

We’re in danger of talking this around in another couple circles… but the same analysis can be applied to the loan portfolio. If I’m in a real pickle...

Sorry to disagree, but they really do. A fair value adjustment is made and generally it’s amortized off according to the WAL of the portfolio(s). I’d...

But UST are classified as HTM. Even if they’re typically a bit more liquid than a muni or whatever, they’re still classified HTM and they’re meant to...

Well, no. CECL (which is just the calculation for ALLL adequacy) is narrowly focused on credit losses - or impairment. Nobody is suggesting that...

ALLL recognizes impairment, not market value. Analogous to OTTI on HTM investments. NMDs have clear market value, written up or down, in an...

Outside of liquidation, it will depend on how big a check Bob is trying to cash for literally every bank. That’s just not how they’re built. “Hey,...

But the asset was there, and the value of the asset was adjusted on the balance sheet accordingly. Why should it wipe out capital? Flip that, if...