Fuzzmaster

@LenaBean111 @fasc1nate Sushi is rice

@fasc1nate It’s called sushi. He ate sushi 🍣😂 I wouldn't call that a commitment to character but ok. However he was probably the best choice to play the role of the penguin

In a show of true commitment to character, Danny Devito ate a raw fish for this scene in Batman Returns (1992). More brilliant film details: bit.ly/453YnYN

@HarrySchultzy @fasc1nate Sushi is rice

@fasc1nate Everyone in the 90’s ate raw fish. They called it sushi.

@7yp3rcube Oooh remember that from the NV into.....so kewl

I don't fuckin understand this show, does the NCR still exist or no

Hey @dbongino now that the files are out can you share with us the part that proved Epstein killed himself? You said you saw the files and knew for a fact he killed himself. Surely, you weren’t lying through your fucking teeth.

@elonmusk Ok buddy. You should at the very least just pretend you heard about some banger parties but didn't know the details 🤣

Legacy media lies relentlessly

I firmly believe that all men dressing like this again would start to fix things. Look at how everyone is so shocked by how much he respects himself. 😅 This is actual insane aura. 🙂‍↔️

@FilmsFallout The show is fucking gay

Thaddeus is definitely turning into a Centaur right? Ive heard other speculation that it could be a mutation like Harold or even people suggesting a Floater from Fallout 76. I’m still team Centaur or a completely new mutation.

@AuronMacintyre Libertarians know in a tax burdened society open borders can't exist. Open national borders can only exist in an exclusively private property setup. Even then there's still borders

Libertarians are always for open borders They’ll lie to you about it but they are always lying

𝗧𝗥𝗘𝗡𝗗𝗜𝗡𝗚: Caleb Williams has started a movement in Chicago with male Bears fans getting their nails done and drinking matcha. Caleb is already the face of Chicago sports.

Turns out they banned Ozempic and LASIK in the future lol

@Rachel__Nichols @Seahawks Seriously go fuck yourself

More teams should do this. @Seahawks

Never let this grifting POS off the hook. Always remind him that he's grifting scum. Add him to the list of people to lock up

@dbongino @ComicDaveSmith Your family and kids will love that pedo funded pension you'll be getting now. The ultimate grift. When YouTube course?

Your family and kids must be ecstatic that their last name is Smith, so they can blend in with the millions of other Smiths out there and pretend they don’t know you. Imagine being dumb enough to post what you just did publicly and then pretend it isn’t copium. You’re scared. I can smell you from here. Now, go get your shine box, like I told you.

We all knew you were talking about me, you were just too much of a bitch to say my name. That’s wild that you had time to watch all of my debates, what with all of the demands of your work covering up peadophilia, which will be your legacy. Make no mistake about it.

@dbongino And you still let pedos walk. Good day sir

Today is January 11th, 2026 and Donald J. Trump is the President of the United States of America.

@dbongino Bro you are never living this down you gritting piece of garbage. There's a special place in hell just for you and your cross eyed buddy

The lib/black-piller symbiote is a funny little organism. It’s even led by a “comedian.” These morons can’t even follow their own battle plan. Quick example - I do a guest hit last night on a podcast and the L.B.P. symbiote starts rage tweeting “no one is going to watch.” When it was the number one live stream in its slot the L.B.P. symbiote melted down again claiming “that was us there to attack you.” Do these clowns know how this business works? And when you point out here on X what a bunch of dipshits they are, they start rage-engaging again. I’ve been dealing with these tools for 15 years and this is why they ALWAYS implode. They’re just too stupid to coordinate. Today’s lesson is concluded, thanks for reading! Go 👇🏻

@TonyLaneNV How about testing the thing before spending and installing?

JUST IN: NYC taxpayers just paid $700,000 for new MTA turnstiles… They’re already being defeated on social media. Is Mamdani going to enforce the rules - or keep rewarding the people who break them? ⬇️ 🇺🇸

@BrattoBiz @amandaorson This has to be a bot reply or some retard grifter shit. There are plenty of people that use their cc like a debit card just for the points. Why not get cash back on stuff you buy anyway?

@amandaorson Rewards programs suck anyway and are not a reason to keep rates high. I do not care about cash back or having a lot of points. If you have a lot of cashback/points (cringe) that just means you spent a lot of money on things you do not need. All cringe.

Your credit card rewards exist because someone else is paying 25% APR. Cap that at 10% and the points don’t survive. I spent years working inside fintech and card programs. That interest margin is the invisible buffer that makes rewards, lounges, and credits pencil out. Capping credit card APRs at 10% sounds like an obvious consumer win. Cards charge 20 to 30%, many consumers revolve balances, and the system feels punitive. But credit card economics are not just about interest rates. They are a cross-subsidized system where revolvers subsidize transactors, rewards rely on behavioral inefficiency, and risk-based pricing subsidizes access. Remove one leg of that stool and the system does not become fairer; it rebalances. And the costs show up where consumers notice most. Lets look at how this would impact 3 programs 1. AMEX Platinum A 10% credit card APR cap would not make your card cheaper or better. You would still have access, but you would almost certainly get less value for the same or higher price. The Platinum brand survives because its customers are affluent, pay in full, and tolerate high annual fees. What quietly supports that ecosystem is portfolio-level profitability, which allows AMEX to tolerate loss, overuse, and inefficiency in premium benefits. When that margin shrinks, the cost shows up directly in your (lesser) benefits. In a world where: - Rewards economics tighten - Devaluations become more likely - Flexibility is reduced Points become a liability to the issuer, and liabilities get repriced. So what this likely means for you as a Platinum cardholder: - Lounges do not expand to fix crowding. Instead, access tightens or amenities are reduced. - Statement credits become harder to use, more fragmented, or less generous. - Annual fees go up - New approvals become more selective, even for high earners. Your card still works, but the value proposition shifts. Platinum becomes more explicitly pay-to-play, with fewer hidden subsidies propping up premium perks. You pay the same or more, and you get a little less in return. Which is why some people are already warning that points devaluations become more likely in this environment (like @BowTiedBull this morning saying "Dump ALL your credit card points. All of them.") 2. Bilt Card This program is the canary in the coal mine for what to expect. Bilt’s super popular rent rewards worked because Wells Fargo was willing to subsidize them. The card offered 1 point per dollar on rent with no fees because Wells Fargo paid Bilt roughly 0.8 percent (80 bps) of each rent payment to fund rewards... despite earning little or no interchange on those transactions. But that is some actuarial level math with a number of variables at risk that proved wrong/ unsustainable. Wells Fargo was getting hosed $10 million a month on the program, so they exited the partnership years before the original end date and forced Bilt to restructure its rewards with a different bank What does that teach us? - When interest and interchange margins shrink, banks stop tolerating loss-leading reward programs. - Interest income does not fund every reward directly, but it provides the buffer that allows experiments like Bilt to exist at all. - Remove that buffer and rewards must be paid for explicitly. Bilt’s shift to a three-tier lineup with annual fees is not an anomaly. It is the direction rewards go when credit stops quietly absorbing losses. Pay-to-play rewards. What feels like consumer protection will shows up as fewer perks, pay-to-play rewards, and less room for innovation. 3. Credit One & other Subprime Cards Now the least glamorous corner. Subprime cards get criticized for high APRs, annual fees, low limits, minimal rewards. But they exist for a reason. They serve thin-file borrowers, damaged credit, people shut out of conventional loans, households using cards for liquidity not perks... but they charge high APRs because charge-offs exceed 8-10%, fraud and servicing costs are higher, and credit limits are small while fixed costs remain significant. A 10% cap makes these products mathematically impossible. These cards don't become cheaper. They cease to exist. As @sytaylor noted this morning - "You realize this will push many more customers towards loan sharks?" The demand for credit doesn't disappear... it migrates to BNPL with opaque effective APRs, chronic overdraft usage, fee-heavy installment loans, and less regulated lenders like loan sharks/ payday loans. So who WOULD win? Debit-First Fintechs One of the least discussed consequences: where would reward customers migrate? I think 1% cashback programs are an obvious winner. Chime, Varo, Current and niche cards like Greenlight and Privacy. (If you have not worked in a fintech or a bank you probably don't know what the Durbin Amedment is - but the TL;DR is that very large banks (BoA, Wells, JPMC) have capped interchange rates of around 27 bps on debit swipes. Small banks with < $10B AUM, however, do not - they can earn 1-2% on interchange (avg was 160 bps or so last I checked). Which is why all of the debit card fintech companies you've heard of are partnered with these smaller banks - they can offer rewards like 1% cashback programs and still have margin sufficient to build a business around.) In a world where credit rewards shrink, access tightens, and annual fees rise, debit-based fintechs look better by comparison. But consumers lose: credit protections, payment float, stronger dispute rights, credit-building opportunities. TL;DR An APR cap feels like consumer protection. In practice it reshapes the market in ways that are easy to miss: - It will shrink access to credit - Eliminate rewards programs that aren't tied to high annual fees - Force risk into less regulated channels - Unintentionally advantages debit over credit - Help affluent transactors more than vulnerable borrowers Credit doesn't become cheaper. It becomes scarcer, less flexible, less transparent. But banks will adapt. Fintechs will adapt. Consumers caught in the middle do not get protected. They get fewer choices, worse products, and priced out.

@LearnToToad @brianros1 The kickoff should be a punt formation. Treat it just like a regular punt. Let the other team even try and block it, and allow fakes. It seems pretty simple. Treat it like 4th and 10 if they stay in punt formation, and 4&15 if they bring out the offense

@brianros1 Then change the touchback back to the 20. These new rule changes are moronic.

Something has to change in the NFL. I don't what it is. But you can't have teams getting the ball at the 35 on a touchback and needing 15 yards to be in field goal range.

@TheCinesthetic Super action packed kids movie

The Adventures of Tintin was meant to launch a trilogy. Peter Jackson was set to direct the sequel, with Spielberg staying on as producer. Script drafts existed. Motion capture pipelines were ready. The follow up has been quietly stalled for over a decade.

@tmsilverman Sadly kids won't call each other. Got a house phone again for this reason. Kids won't even exchange numbers or their friends parents won't answer their phones

I’m pretty sure I was still playing with dolls at this age and the closest thing I had to a phone was Roller Coaster Tycoon. It’s sad how normalized giving children smart phones is. Why not just put a landline in her room so she can call her friends and ask them to come play?