I said “more progressive”. Their are definitely more progressive then the alternatives.

The worst part is that it’s the more progressive party that is doing this.

Here’s a good read about it: https://www.theguardian.com/lifeandstyle/2025/aug/05/how-did-british-pub-food-get-so-grim-gastropubs

TLDR: it got better in 2000s but then it went down again because of raising costs.

Not in Europe.

(this is fun. let’s keep doing this forever!)

This all sounds really interesting. Much more interesting then all the celebrity gossip that passes as movie news. I would much rather learn about best boys and location managers then about Angelina’s Jolie new diet. I had a crazy idea about making a podcast about it but I have no idea about making podcasts :D

Read my other comments. I answered this already.

I meant that intentionally defaulting on a mortgage when the property loses value and not paying the debt is not a thing. That’s what we were talking about.

I did.

Obviously, defaulting on mortgages is a thing.

In USA. As I explained in Europe it’s not a thing. Own contribution is a thing in USA and Europe. Therefore, banks don’t require own contribution because of defaults. Q.E.D.

That may work for some minimum wage jobs. No serious company is going to pay you under the counter. At least not in Europe. I’m not even sure what are you suggesting. You clearly don’t know how any of this works in Europe.

Tha**s, great st**y.

I don’t know how this works in US but where I live when you owe bank money they will simply garnish your wages and benefits. No one is defaulting on their mortgage to save money. That’s just not a thing. I personally know people who were paying their mortgages for many many years even though their house was worth way less then the mortgage. You just suck it up and hope the price will eventually go up. If it doesn’t it’s still better then living on the street.

But what you’re saying is simply not true. Where I live you have to provide 20% of equity to get a mortgage but you can’t default when the prices go down. No bank offers mortgage covered in 100% by the house. If you owe the bank $600k you owe then $600k, that’s it. If you default and you’re house now only costs $500k you still owe them $100k.

So the 20% requirement has nothing to do with negative equity protections. It’s to limit the banks exposure in case you’re unable to pay.

You’ll be $50k better off if you just stop paying and let the bank foreclose.

And do what? Live under a bridge? You would still have to buy a new house. Are you going to find similar house at $600k easily? Are interest rates still low despite market collapse? Will banks lend you money if just foreclosed?

Make sure to know which direction the trail is when walking 30 m away from it. People died following this rule. Well, I know of one person that died because of it.

He meant to tell animals not to shit less then 30m from the trail.

For me it was Mandrake -> Debian -> Mint -> MX -> Debian

So nothing like that graph.

I get it even less than you

Is that Banksy?

Exactly. Quick image search will show you that cricket looks like this: