Bad beat/Moaning/Venting thread - It's the end of the world as we know it

[BennyHiFi]

Bump

Going with MrsHiFi. Would seriously recommend this invite to anyone with the remotest availability! One of the bands of the century!

[ComradeCollie]

I guess I could imagine a world where it was harder to buy luxury items you couldn't afford and that being better almost? Apr is neither here nor there you're cheerleading a corporation removing barriers to young people (who you dont seem to give any credit to for being capable of rational discourse) giving into instant gratification to their financial disadvantage, training people to get mugged off by unscrupulous lending practices but it's OK because they'll wise up later by some unspecified process when they have more income. Do you think revolut are betting that everyone tightens up their act when they start earning 50k or they think these habits will be sticky?

Seems like a pretty distopian approach to financial literacy and driving in the exact wrong direction, but I guess I'm not down with the kidz.

Hitch promoting these shitty financial products is just bizarre.

It reminds me of me going for HIV tests in the early 90s, largely because I wanted to be able to explain the process to others ( I was USI's L&G officer at the time). And then getting tested for all the other STD's that I also was unlikely to have.

Pretty sure he's just spitballing.

[Hitchhiker's Guide To...]

Must say though - that BBQ tonight was easily worth the fiver

[Hitchhiker's Guide To...]

Made the mistake on switching on the tonight show on VM. 2 billion for the childrens hospital? But they don't know its gonna be 2 billion cos they don't know the final cost. Wtf like?

I'm old enough to remember when people were going nuts over the €100m cost of building Tallaght Hospital. I wonder what the right price is for a hospital that is going to be among the best in the world. Maybe the right price is cheaper, but I don't know. I've only seen fairly dodgy comparisons though.

This children's hospital one in Sydney, I guess a comparable construction cost market is coming in at $700m. Not sure of the size though and if that includes kit-out to ready-to-use standards, which the Irish one does. https://www.hinfra.health.nsw.gov.au/news/latest/latest/construction-underway-on-new-$658-million-sydney-c

So we're well over that cost.

Meh, we'll be starting the metro soon, so that will be our big day out on the 'the costs are more than expected' front. Like all previous stories combined.

[Hitchhiker's Guide To...]

I guess I could imagine a world where it was harder to buy luxury items you couldn't afford and that being better almost? Apr is neither here nor there you're cheerleading a corporation removing barriers to young people (who you dont seem to give any credit to for being capable of rational discourse) giving into instant gratification to their financial disadvantage, training people to get mugged off by unscrupulous lending practices but it's OK because they'll wise up later by some unspecified process when they have more income. Do you think revolut are betting that everyone tightens up their act when they start earning 50k or they think these habits will be sticky?

Seems like a pretty distopian approach to financial literacy and driving in the exact wrong direction, but I guess I'm not down with the kidz.

Who is more likely to manage their money well in their 30s when they first get a proper stream of credit and have to make serious financial decisions:

a) The person who tried out loads of different financial products in their 20s? Who bought a few things on credit and had to scramble to pay it back. Who bought Shiba Inu coins and saw them collapse.

Or:

b) The person who went to financial literacy special ed class?

Learning by experience is a million times more valuable.

[ComradeCollie]

I'm thinking of moving to England so I could vote Tory.

[ComradeCollie]

[ComradeCollie]

[Hitchhiker's Guide To...]

I actually, separate to the pot of EU money for 'fintech in the community' education mentioned earlier, just got €600k from the gov for precisely this purpose (I'm like a really fucking boring money machine at the moment!). The funding is to take students straight out of undergrad and mold them into Fintech entrepreneurs on the governments dime. So it's going to largely ditch classrooms and deliver a masters which is about 80% learning Fintech by projects and doing. Maximum experience as a more real form of learning. Rather excited by it, but haven't yet worked out how to actually do it, which could potentially turn into a problem.

[cardshark202]

Who is more likely to manage their money well in their 30s when they first get a proper stream of credit and have to make serious financial decisions:

a) The person who tried out loads of different financial products in their 20s? Who bought a few things on credit and had to scramble to pay it back. Who bought Shiba Inu coins and saw them collapse.

Or:

b) The person who went to financial literacy special ed class?

Learning by experience is a million times more valuable.

So you're essentially saying:

Who would you trust to manage their money better in their 30s:

a) The person who was always almost broke throughout their 20s

Or:

b) The person who wasn't

And you would pick a) because going broke multiple times is more likely to make you a financial whizz when you're older?

[AndyFatBastard]

Veganism, ideological positioning on gender politics and many aspects of environmentalism are for the most part spilt religion.

This plus Marxism. Death of God innit. The grass is not always greener. We did a whole Soviet Union over it, didn't go well as I recall.

[oleras]

Made the mistake on switching on the tonight show on VM. 2 billion for the childrens hospital? But they don't know its gonna be 2 billion cos they don't know the final cost. Wtf like?

Dont forget, completed...fitted out...and staffed by next spring...9 months...they really do drink the kool aid before they roll them out in front of the cameras...script,script,script.

Surrounded by yes men with no reality of life in the real world.

[Hitchhiker's Guide To...]

So you're essentially saying:

Who would you trust to manage their money better in their 30s:

a) The person who was always almost broke throughout their 20s

Or:

b) The person who wasn't

And you would pick a) because going broke multiple times is more likely to make you a financial whizz when you're older?

Well, its your choice to interpret (a) as 'always almost broke', but far more of the people in category (a) would be best described as - experimented with a wide range of financial products and got to know the ups and downs, and (b) as: still has the 50cent their granny gave them for first communion losing money in a credit union account. Most people on here, for example, would be in category (a).

[Solksjaer!]

School nowadays is so different to my day. We got an actual video of the youngest fellow performing some word finder game in the classroom. Imagine if we turned the clock back .



Here’s a video of the little bastard getting 6 slaps with a bamboo cane . Look at his little stoic face, wouldn’t it melt your heart, He really is coming on, last year he would have been bawling crying.

I expect that due to your good parenting and toughening him up with a few slaps every now and then. I expect next year we can kick him up the arse when needed. Videos will be sent of course.

[ionapaul]

You would feel like an awful eejit when you wake up in front of the Pearly Gates Nightclub, Casino and three-star restaurant (all you can eat) and the bouncer checks your name against the list: 'humanist, eh? Sorry pal, not tonight. Try Beelzebub's S&M place round the corner.'

Don't worry, I'm leaving the deathbed conversion option open to myself, just in case!

[Raoul Duke III]

And you would pick a) because going broke multiple times is more likely to make you a financial whizz when you're older?

we have evidence that this true though

images?q=tbn:ANd9GcSXYsgVNZgSWOnw7ngFxGnAY0APpRU310AgbQ&usqp=CAU.jpg


case closed, QED

[Hitchhiker's Guide To...]

With wanting to overstate the very obvious, religion emerged during a time when we didn't understand how the world worked, so we assigned the bits we didn't understand to a 'god'. It's actively stupid to believe in a god, even if you might separately want to be part of a religion because of the social network. That indeed is the problem with teaching it in schools - that you are teaching kids to believe in nonsense.

[Goodluck2me]

Would be an interesting study - post people outside churches for every mass event for a few random weeks to count the number of attendees.

I do think, for the current generation of elderly there's a lot they get out of it, especially socially. Its just the madness of that entering into the classroom and being taught alongside, or often in place of, science or whatever. And then you see those awful things, like schools teaching sexual education using a catholic curriculum with often bizarre views told to kids.

I’m not sure the Catholics teachings would hold a monopoly here.

[Hitchhiker's Guide To...]

I’m not sure the Catholics teachings would hold a monopoly here.

98% of primary school kids in Ireland are taught catholic teachings, so its presumably the most relevant one.

[Keane]

With wanting to overstate the very obvious, religion emerged during a time when we didn't understand how the world worked, so we assigned the bits we didn't understand to a 'god'. It's actively stupid to believe in a god, even if you might separately want to be part of a religion because of the social network. That indeed is the problem with teaching it in schools - that you are teaching kids to believe in nonsense.

Huh, that's funny - I would have thought teaching kids a load of nonsense that was objectively bad for them would make them really good at choosing the healthiest worldview when it really matters later on.

Who would you trust to have a good relationship with religion?

a. someone who spent a load of time being indoctrinated and internalizing original sin so they learn to grapple with the ups and downs of Catholic guilt

or

b. someone who went to some class where they taught him these are all just ideas and not to spend too much time worrying about them


Learning by experience is a million times more valuable.

[Solksjaer!]

98% of primary school kids in Ireland are taught catholic teachings, so its presumably the most relevant one.

Im not defending religion but curious have you studied theology?

Separately there are some eggheads saying it's likely we are in a simulation . Are you a SIm head ?

What do you 'feel' happens to your consciousness?

Energy or nothing ? Catholic teachings are likely going to die out considering how the trend is but an even more fcked up religeon is growing . Interesting times ahead . Maybe AI will save us from the descent we are headed .

[Goodluck2me]

The real problem with buy now, pay later is that if people can't afford it now, they might not be able to afford the two (or however many) installments that are coming down the line. If money is that tight for a €299 quid purchase (I know it's not in Hitch's case) then any unexpected bill or cost in the next two months could easily leave the bank account lacking the required funds to pay the €102.50

You miss an installment and that fiver fee for convenience very quickly ratchets up to a lot more in interest and fines/late payment fees.

I think it’s worth considering what you might be buying with it etc. too to decide whether it’s worthwhile or not.

I’d agree with Hitch that APR is not really a good barometer for something like this as the absolute amounts are so small. Like if you’re a single mother and the washing machine goes and the car needs a new gear box the same month, it’s understandable that you could afford either but not both. If she’s working and can afford them, but not together, something like a buy now pay later scheme works well as it would not make sense to avoid either having the means to take children to school or wash their clothes for an extended period of time. The APR may be 25% but the alternative is say taking out a 5-year credit union loan at 8%, but that would actually cost more absolute money. In that instance the person should try to miniseries household disruption first and minimise total interest second, solving for lower rates is less important.

[Hitchhiker's Guide To...]

Huh, that's funny - I would have thought teaching kids a load of nonsense that was objectively bad for them would make them really good at choosing the healthiest worldview when it really matters later on.

Who would you trust to have a good relationship with religion?

a. someone who spent a load of time being indoctrinated and internalizing original sin so they learn to grapple with the ups and downs of Catholic guilt

or

b. someone who went to some class where they taught him these are all just ideas and not to spend too much time worrying about them


Learning by experience is a million times more valuable.

That is an impressively tortured analogy. Respect!

[Goodluck2me]

So you're essentially saying:

Who would you trust to manage their money better in their 30s:

a) The person who was always almost broke throughout their 20s

Or:

b) The person who wasn't

And you would pick a) because going broke multiple times is more likely to make you a financial whizz when you're older?

They’re a famous quote, I think from Fishcher Black that says the markets look much more efficient from the banks of the Charles than the banks of the Hudson. I think Hitch has a point.

would you be more likely to stake a poker player who played hundreds of poker tournaments with minimal success or a guy who had read every single poker book but not played?

[Hitchhiker's Guide To...]

€17.5m wasted due to a politician being a patsy for a PR battle between various Indo newspapers warring factions: https://www.irishtimes.com/politics/...-final-report/

[Goodluck2me]

98% of primary school kids in Ireland are taught catholic teachings, so its presumably the most relevant one.

Just out of curiosity what are the bizarre things taught to kids today you were referencing?

[Hitchhiker's Guide To...]

They’re a famous quote, I think from Fishcher Black that says the markets look much more efficient from the banks of the Charles than the banks of the Hudson. I think Hitch has a point.

would you be more likely to stake a poker player who played hundreds of poker tournaments with minimal success or a guy who had read every single poker book but not played?

And indeed a great quote from Harry Markowitz, 'inventor' of portfolio theory which has the end explanation that you should invest in a fully diversified global portfolio of all assets.


1*QBQXfHZxYzAsbZGqAxa9nw.jpg



Later in his life when he was asked "So, Harry, what do you invest in yourself?" he responded:

Mr. Markowitz was then working at the RAND Corporation and trying to figure out how to allocate his retirement account. He knew what he should do: “I should have computed the historical co-variances of the asset classes and drawn an efficient frontier.”

But, he said, “I visualized my grief if the stock market went way up and I wasn’t in it — or if it went way down and I was completely in it. So I split my contributions 50/50 between stocks and bonds.” As Mr. Zweig notes dryly, Mr. Markowitz had proved “incapable of applying” his breakthrough theory to his own money. Economists in his day believed powerfully in the concept of “economic man”— the theory that people always acted in their own best self-interest. Yet Mr. Markowitz, famous economist though he was, was clearly not an example of economic man.

[Hitchhiker's Guide To...]

Just out of curiosity what are the bizarre things taught to kids today you were referencing?

That the world was created by a god?

[zuutroy]

And that you have to dress up like a child bride and eat him.

That one was successful in repulsing my daughter enough that she has no interest in it.

[Hitchhiker's Guide To...]

And that you have to dress up like a child bride and eat him.

That one was successful in repulsing my daughter enough that she has no interest in it.

ha

[Hitchhiker's Guide To...]

One year anniversary of getting solars installed, so popped up to the attic to see the end result

Total net cost to install: €6,200

4,311 units of electricity generated

Seems the excess generation was about 30-40 units per month in Dec-Feb, but then 350-400 per month in Jun-Aug.

Plus free hot water all year round, even in the winter (we didn't use the immersion once over the year, only the solar heating)


Of those 4,311 units, 2,213 were excess generation, and recently paid as €396 electricity bill credit

The other 2,100 were used as daily electricity at an approx replacement cost of €0.40 per unit - €840 value

So total cash value return of €1,236 plus the hot water which has another few hundred of presumed value (lets make a random guess at €300) = approx €1,500 return

Payback is about 25% a year at current rates. But even if rates fall back to around €0.25 a unit, and presuming excess electricity to paid at half the unit cost, the return will be about 16% a year

Its probably the best investment going at the moment - even if you need a credit union loan to make it happen

[Denny Crane]

I agreed to go to the Gate for matinee a while back (a matinee on June weekend, wtf was I thinking)

How strict are their door times? Think I'm going to be very tight to make 2pm.

[Mellor]

It's not pointless academically, but people don't use it to make these short-term borrowing decisions, so it makes it de facto pointless. We've been telling people for decades that APR matters, but there's oodles of information saying they just don't relate to it, except for long-term decisions. We need a simpler way of communicating, and some form of acceptance that if people keep ignoring something in certain contexts then there might be something wrong with the whole idea.

Really what's happening here is people are saying they don't care about interest rates when the end result is either a total of a fiver cost or a four euro cost. They are happy to pay a convenience fee, and maybe they aren't wrong.

I think this is a pretty bad assessment of the situation. Not just poor, but completely incorrect of a fundamental level.

You are correct that people do not consider APR when making short term decisions. People in general are bad at maths, and struggle to make good decisions as they are led by other factors. But none of that justifies the idea that a mathematical view is the wrong way to look at it.
The point of APR isn’t to explain to people that it is bad, or to persuade them not to. It’s to establish how shitty it is compared to other similarly shitty options.

Im not against the idea of a paying a premium for convenience. I do it all the time tbh. I was hungover last week and order UberEats. Completely gouged on price and delivery. But I got to stay in a ball on the sofa. That was worth it, at the time.
Deferring a card payment seems much less convenient - as you still have to go to the same motions. You just hand over more money. There could be a situation where it makes sense. But overall this feels like really nasty opportunistic gouging from Revolut. Especially given their competitors do it for free!

I think it’s also wrong to paint is as a value lesson of about debt. I doubt there’s any real learnings. People who get short terms loans and make similar bad decisions most likely continue to make bad decisions in perpetuity.
Certainly not without consequences either. I think your looking at it from your perspective of having the money to buy the BBQ now, but deciding to Pay Later out of curiosity. The novelty being worth €5.
If a different story when somebody buys something that can’t afford now or next month either.

[Iago]

If instead of asking themselves ‘can I afford X’ they instead asked ‘what Y will I have to sacrifice to get X, and is the utility of X worth more to me than the utility of Y’ I think people would make better financial decisions.

hell, forget people, I would make better financial decisions if I could do that regularly

[Mellor]

Who is more likely to manage their money well in their 30s when they first get a proper stream of credit and have to make serious financial decisions:

a) The person who tried out loads of different financial products in their 20s? Who bought a few things on credit and had to scramble to pay it back. Who bought Shiba Inu coins and saw them collapse.

Or:

b) The person who went to financial literacy special ed class?

Learning by experience is a million times more valuable.

Presenting those as the only options suggests that you know you are wrong here.

What about person C whose basic grasp of maths meant he wasn’t dumb enough to think payday loans were harmless?
Managing your finances throughout you 20s and avoid being broke is much more valid experience than trying to learn by being shit with Money.

would you be more likely to stake a poker player who played hundreds of poker tournaments with minimal success or a guy who had read every single poker book but not played?

I think that similar false dichotomy. Obviously stake the guy with a positive ROI, however small. But I dint think either of those are the players here. It’s more like

Player A, constantly playing in genes above his bank roll. Steady negative ROI over a number of years.

Player B, only played small stakes, understands BR management, breakeven to slightly positive ROI

I think that’s an equally obvious choice.

[Hitchhiker's Guide To...]

Player A sounds like gas craic, probably drunk most of the time also, living his best life, stumbles afterwards from The Jackpot to Crystales and scores a country girl who just came up to Dublin for the day to see if Brown Thomas was real, but then one pint led to another. She slowly reforms him in between his frequent exclamations "you can't change me Mary, I'm a dark and broken man". But bit by bit he comes around. They buy a farm together. Then his demons re-emerge - he becomes obsessed with cauliflower ("its the lego flower bouquet of veggies" he shouts at the dog, one day) and goes all-in on growing them. *boom* the cauliflower steak craze suddenly and massively emerges. And he's the only one in the country with cauliflower. "Its like I own the casino now" he says to Mary, but Mary doesn't want him thinking about those days after all the work he has done on himself. She says "no, its like you own a farm, remember - you're a farmer now Player A". They were always laughing together like that. He plays off Dunnes against Tesco - Dunnes tries to play the Irish card, but he remarks that actually Lidl and Aldi buy more Irish produce than Dunnes. He spent his nights reading obscure facts like this now. Chuckling away to himself. Then a mysterious stranger arrives at his door - its Walmart! - He's going international. The cauliflower king they call him now. His only occasional vice is buying things on Buy Now Pay Later. Just to feel something.

[Degag]

Player A sounds like gas craic, probably drunk most of the time also, living his best life, stumbles afterwards from The Jackpot to Crystales and scores a country girl who just came up to Dublin for the day to see if Brown Thomas was real, but then one pint led to another. She slowly reforms him in between his frequent exclamations "you can't change me Mary, I'm a dark and broken man". But bit by bit he comes around. They buy a farm together. Then his demons re-emerge - he becomes obsessed with cauliflower ("its the lego flower bouquet of veggies" he shouts at the dog, one day) and goes all-in on growing them. *boom* the cauliflower steak craze suddenly and massively emerges. And he's the only one in the country with cauliflower. "Its like I own the casino now" he says to Mary, but Mary doesn't want him thinking about those days after all the work he has done on himself. She says "no, its like you own a farm, remember - you're a farmer now Player A". They were always laughing together like that. He plays off Dunnes against Tesco - Dunnes tries to play the Irish card, but he remarks that actually Lidl and Aldi buy more Irish produce than Dunnes. He spent his nights reading obscure facts like this now. Chuckling away to himself. Then a mysterious stranger arrives at his door - its Walmart! - He's going international. The cauliflower king they call him now. His only occasional vice is buying things on Buy Now Pay Later. Just to feel something.

Such imagination but could only come up with ‘Mary’ as a country name

[Hectorjelly]

What is the best resource for accelerating ones learning and developing use cases for AI?

https://www.bensbites.co/ is a daily short email with AI developments; keeping track of developments is quite helpful.

As for learning, https://www.deeplearning.ai/ have some good courses. I've done a couple of them (they are good, not great)

Huggingface also has some good courses; these are a lot more technical.

https://huggingface.co/learn/nlp-cou...apter1/2?fw=pt

https://huggingface.co/learn/deep-rl...0/introduction

[Solksjaer!]

I was today years old when i found out its illegal to laugh out loud in Hawaii.

SPOILER

you have to keep it to A Low Ha

[dobby]

And that you have to dress up like a child bride and eat him.

That one was successful in repulsing my daughter enough that she has no interest in it.

My inlaws are all non religious and kids the same, not baptised etc. Moved to rural west clare with 2 still at a young primary age. Had a few questions from the kid about why her class got a party for communion etc so they had a "May day" for her on the weekend of May that her classmates made communion. Great craic it was with a bouncy castle and all her classmates came round.

By the time the youngest was in that class, she didn't care and was pretty much laughing at her classmates having to learn all that nonsense. Kids pick up way more than we think.

On the wedding side note, we're also having a humanist ceremony and it'll be as basic as possible. Our celebrant was telling us all about the great things we can do and it just sounded a little too churchy for my liking so she was swiftly put back in her box. In, yer married, out and good luck.

[Hitchhiker's Guide To...]

Ten mins or less dobbs pls

[dobby]

Ten mins or less dobbs pls

Probably 20 but we won't keep ya. Back the unders on the speech too. "Thanks for coming, have a great day, Slainte"

[Solksjaer!]

Probably 20 but we won't keep ya. Back the unders on the speech too. "Thanks for coming, have a great day, Slainte"

Listen business is business . Under/overs on the divorce ?

[Raoul Duke III]

On weightier matters, definitely leaning towards the Solero as my default ice pop choice these days. Simple yet satisfying.

[elbows]

Elvery’s selling Prov’s buy one get one free. For €70. It says buy one get one half price but they fucked it up. My brother said that is lower than what he pays for them cost in Sterling. He ordered 34 dozen

[Raoul Duke III]

Such imagination but could only come up with ‘Mary’ as a country name

Hitch's posts these last few days are both long and plentiful. He's very into AI.

Join the dots.

[Raoul Duke III]

One should not poo-poo the humble Iceberger either. Although I suspect they've changed the compisition of the outside layer, the filthy swines.

[Hectorjelly]

Hitch's posts these last few days are both long and plentiful. He's very into AI.

Join the dots.

AI wouldn't come out with that nonsense! That's 100% hitch generated.

https://chat.openai.com/share/9e688d...3-4b1a7eb56596

[Degag]

One should not poo-poo the humble Iceberger either. Although I suspect they've changed the compisition of the outside layer, the filthy swines.

Nothing wrong with an iceberger. Shockingly i’ve never had a solero somehow, will have to rectify. Brunches have gone massively backwards, they were lovely when i was young but hardly any coating on them now.

Magnum is hard to beat as is a cornetto although the latter really needs to be at least 50% bigger.

A 99 is still the nut ice cream, have had a right pankering for one for a couple days now.

[Solksjaer!]

Ice creams are shite since the Golly bar was cancelled.

[Micknail]

Elvery’s selling Prov’s buy one get one free. For €70. It says buy one get one half price but they fucked it up. My brother said that is lower than what he pays for them cost in Sterling. He ordered 34 dozen

Ok I'm onboard 100%, but just let me know what a prov is.

[Solksjaer!]

Fk you Raoul.

[ComradeCollie]

Hitch's posts these last few days are both long and plentiful. He's very into AI.

Join the dots.

I'd prefer if that was the case. The reality (that I'm pretty sure of) is that he's spewed the same garbage here every time he takes from twitter, the natural depository for bs.

[ComradeCollie]

'Gender Wars' on C4 was a surprisingly balanced production. Well worth an hour for anyone curious https://www.theguardian.com/tv-and-r...P=share_btn_tw https://www.channel4.com/programmes/gender-wars

[elbows]

Ok I'm onboard 100%, but just let me know what a prov is.

Golf balls. Better than that NFT shite hitch was pitching.

[ComradeCollie]

Just cancelled my Netflix account. Think I've averaged about 15 hours a year of usage over the last three. A lot less money than I used to spend in Extravision, but just as happy to be done with it.

[Lazare]

Hope it's not recency bias, but Fuck.Me, Lankum doing 'Dig My Grave' is the most stunning thing I've ever witnessed.

[dobby]

Listen business is business . Under/overs on the divorce ?

Honestly, if I make it through the wedding day I'll be running above EV. I've no idea how I managed it, she can do so much better but hope she never realises it.

Saw some yolk recently that said "Find a woman who's out of your league and convince her she's not". Boom.

[ComradeCollie]

Ice creams are shite since the Golly bar was cancelled.

Aldi are doing a wicked rip-off of the 'wibbly wobbly wonder'. Still think the most horrible job I ever had was mixing up jelly for them. Close second was the butter melting station, the one where you put 20kg blocks of Belgian chocolate for melting was a delight in comparison.

wibbly-wobbly-wonder-7125b987-0485-4ce0-8749-ea2490c3ae5-resize-750.jpg

[Solksjaer!]

Slaying the Badger on TV4 is great . Nostalgia .