Me to financial firm: *address change form*
Financial firm: Is this five digit number a post code?
Me to financial firm: Oh you have asked exactly the right person for geeking out about post codes. Did you know...
Second thoughts: That was not the efficient way to answer.
"Why didn't they know what a post code looks like?"
Because a post code can look like so many things, like 100-0001, 20500, or SW1A 1AA, to use three codes from three nations that all correspond to a particular famous building/complex within them.
A further fun fact: some nations don't customarily use post codes and others don't customarily use addresses, favoring a natural language description of the recipient which is sufficient to get a mail carrier to successfully route to them.
From these charming cultural differences come many software bugs, like e.g. US- or Japan-based programmers assuming that two computers referring to the same post code will pick the same casing for it, because of course numerals don't change if e.g. you toLower() on them.
And thus if you receive two equivalent post codes from two different computer systems you don't have to normalize casing before comparing them because, hah, why would you need to do that.
Also while I'm at it: you might think that most post offices who customarily use post codes really need those post codes, but you might be surprised at how much effort they put into making them optional but highly preferred.
In the US, one of the USPS's backups to missing post codes is a collection of buildings where clerks look at OCRed images of automatically sorted mail in substantially real time with a keyboard designed to optimize for routing it with as few keystokes as possible.
I am not aware of the existence of a similar system in Japan, but am aware of a fallback which once made "Patrick McKenzie, Ogaki, Japan" fully routable.
That system was "ask around the Ogaki Post Office" until someone handwrites 'Probably the American who lives on (internal identifier for route) near the river. Works salaryman hours speaks Japanese. Confirm before delivery.' on it."
"Who tried to send you a piece of mail with that 'address' on it?"
Social Security Administration failmerged an account statement.
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Still working on a few essays about what I learned on using LLMs for coding but if you want a sneak peak, Complex Systems this week discusses the game I made in some detail.
I’m probably adding one essay to the series on LLMs for taxes.
It feels a bit weird to need to continue saying this, but yes, LLMs are obviously capable of doing material work in production, including in domains where answers are right or wrong, including where there is a penalty for being wrong. Of course they are.
“Why?”
Because a lot of discourse weights people and actors heavily where they cannot be right or wrong in any way that matters, and where correctness does not materially result in a different incentive for them.
So October 15th, the extended US tax deadline, is just around the corner, and I have some observations which are more about LLM progress than taxes.
Background: many people professionally involved with LLMs estimate 2026-2028 as the year where one can get an LLM to "do taxes."
I have a fairly complicated situation and have put more of my points into tax procedure than many AI researchers, and I did not previously expect to actually have this capability available in 2028.
On basis of experience with review, but not full execution, rethinking that.
I think the most likely form factor for actually deploying this in the real world is a software company which integrates LLMs as a component but also has a lot of special sauce.
Be that as it may, what I actually had available yesterday was the standard chat interface.
I think the economic logic of this is inevitable, in that you’ll ~need video to get your N+1 marketing post through the noise on social media even as a Taylor Swift, and your choices are either a $100k shoot *per post* or a relatively junior employee with some taste.
Also expect the friendly neighborhood barbecue joint to get the same-y Madison Avenue look on their ads versus the Comic Sans and pink aesthetic that they might otherwise have ended up with.
“Is that shoot really $100k?”
It probably is if you do it the way her media operation would do it. You can get it done scrappily for like $4-10k. Partly that’s because major brands with professional review teams are buying a different artifact than “Just the file please.”
Listening to a podcast (Trillions) a guest made an interesting claim:
Guest: You know when you swipe a card at [coffee shop] part of the fee pays for your ability to reverse the transaction with the coffee shop. But come on, no one reverses transactions with [coffee shops].
I have removed the name of the coffee shop so that no one believes I am commenting on private financial details when I say: oh you sweet summer child.
You and I will likely go through life having very few arguments with baristas. Baristas do not experience their lives as including very few arguments with customers.
The existence of YouTube does not make reading and writing less valuable. It gives children a constant companion who is responsive, preternaturally so, to their desires and curiosity.
(I devote a bit of brain space—not too much but I pray not to little—to making sure that constant companion does not make the entire world look like a pale imitation of itself, which would be wrong but could easily look accurate to the subjective experience of a child.)
“Any parenting tips?”
I do not have the constant fights about screen time some parents report, do not know how much of that is due to decisions I’ve made, and have one regret: we went two years without a TV due to moving and I should have made that permanent versus “completing.”
(In particular note the cap on cash back and the carveout for particular transaction types which some users are able to generate arbitrarily high amounts of or would naturally have arbitrarily high amounts relative to “normal” CC use.)
“How does this happen?”
Credit card PMs are extremely aware that there are multiple different personas for credit card use out there. One of them has a name in various banks, but you can think of them as Mercenary Financial Enthusiast.