State Treasurer Fiona Ma appointed Christina Sarron as executive director of the California Alternative Energy and Advanced Transportation Financing Authority.

Public finance veteran named to head California's CAEATFA | Bond Buyer

In this week's Alternative Commercial Finance Update, we'll look at how the White House's announcement of new rules for SBA loans may affect fintechs.

Alternative Commercial Finance Update | New SBA Loan Rules and Fintechs | Husch Blackwell

Alternative

alternative

Why should I use your product? I’m a web app developer and I love doing what I do. I code in a language that seems highly frowned upon, yet is one of the most powerful and used languages on the Internet. It is so powerful that it makes up about 80% of the backend code on the Internet. I have even made a few hundred dollars creating small apps as a SaaS (software as a service). However, when it comes to being the competition or the alternative, the giants will always win. By giants, I mean services like Google, Dropbox, Github, and even Medium.com. Nothing I have created hasn’t been done before — and maybe that is my fault, but oftentimes I find myself trying to solve my own pain points, using other applications to do it, only to find that something within those apps is missing — that or the fact that I’m too cheap and would just prefer to create an alternative version of the product so I can use it for free — and then charge others a cheaper price — becoming the alternative and the competition. Every time I release a new app, however, it often receives several different types of responses. They go something like this: Crickets Chirping If the crickets aren’t out, than I usually get a few people signing up and trying the service. I have had a few successful launches in the past, including , , and which have acquired a few individual users and some businesses. It has been great to have a few consistent signups paying me every month, but it has not been enough to quit my day job, so I have continued my projects anyway, creating new useful tools. MyPost Call Me Private Text Privately Recently, I created a WordPress Managed Hosting solution called . This is a hosting solution ahead of its time and is unique in the fact that it does what no other host does: it has a list of features which were born out of the complaints and suggestions of so many web developers who were hosting their websites on other WordPress Managed hosts. It automates the entire process of being a web developer and webmaster, meaning you can setup your clients on and never have to worry about updating their websites again, as it does it automatically. WP Bubble WP Bubble The launch wasn’t as successful as I hoped, but I managed to acquire an investor in the product, who is hosting their website with and they pay me slightly more than what I charge for the product in their own hopes to continue supporting a good product — and a few customers — two who churned within a day or two — trials of the product — and a third who left and returned a month later, and is actually using the product to create a few websites of his own. WP Bubble The most recent product I released is called , which is an image and file hosting solution with a very fast CDN. The most prominent features include an easy comment system, tracking of geometrics on clicks, and the ability to set a password before anyone can view the file. The CDN is also enhanced with Cloudflare to keep my bandwidth costs very low — security high— and the speed of the downloading of the file very fast. The launch wasn’t big at all, as I only released it in one or two areas, and the only response I received was: BinCDN What makes this product different from Google Drive or Dropbox? This question is what prompted me to write this article. I had to ponder: everything my product does, Dropbox and Google Drive already do. So what makes my products different? I could certainly come up with many different technical reasons — and Google and Dropbox will match every single one of them. What makes me different or what makes my product different? I’m not a million or billion dollar company, but I do pride myself on the privacy and security of my products. I do pride myself on the fact that I personally took the time to research a design for a product, spent hours upon hours writing out a plan for my product, and had complete personal say in how my product looks, what it does, how it functions, and the fact that it is personally supported by me. Best of all, I pride myself on the fact that I actually wrote the code for my product and don’t need to seek approval from anyone else about my product or go through a long review process, only to have my changes or ideas rejected by someone “higher up” telling me that my code isn’t good enough. Most of my products released are not free. I used to release them for free and keep them free for as long as I could support them — what would end up happening, I’d lose interest, no longer support them, and they would die out. Now that I have monetized them, they have a longer chance for survival and I care enough about them to continue supporting them when I know others will support them too. What happens when Google decides to discontinue a product that a few people find useful and are using? What if Dropbox decided one day that it was going start charging more for everyone, as Photobucket once did? What if Facebook or Twitter decided to filter and ban people for their freedom of speech, as they often do? They have every right — they are offering it for free — and you really have no say, especially when it comes to your data. What happens when you are paying for and supporting my small products? My small business? I’m more likely to continue supporting it and supporting you because I really do care about you, as an indivudal. I care about your small business. I care about your large business. I care that you are using my products. I can develop them to the standards of my users and my product is small enough that I care enough about making those changes and catering to the demands that my customers need my products to do for them. Personally and professionally, I’m not about you. The less I have — the better. Despite the fact that both Dropbox and Google give away most of their products for free for a time, they still sell you on the large plans — and then sell your data on top of that. Double whammy, don’t you think? collecting or keeping and selling any data to third-parties And no one seems to care what happens with their files or their data, but it became a fact of life — that your information — habits, lifestyle, likes, dislikes, loves, hates, friends data, family data — is literally available and being sold to the highest bidders, all for money and the advertising industry. Sure, your data is sitting in some top notch secured warehouse, but so are my projects as well, as I spin the servers up using as my primary hosting solution for all projects I start. Vultr I have had a few of my customers ask about the security and protection of their data — before I even began building products, I learned about SHA-256 and Hash encryption methods and a lot about securing data and keeping it protected and private — so that not even I could pry through it. While smaller companies might get hacked, larger companies, such as and , are under constant attack and often fail to report that they were ever hacked — losing millions of customers’ data to hackers every year. Google Facebook While they claim to care about your data — and they sure do — and even have programs that pay people to report their bugs to them — the fact is: they are too large to really care about you personally. And sure, they do care about you — as long as you don’t try to sue them because they have so many lawyers protecting them, you’ll have years of court to go through just to get anywhere. With my own business practices and the size of my company and customers: I cannot actually afford . Let me repeat that: I care enough about you to try and answer every email, every live chat that is opened, and respond to you personally to take care of your problem within a timely manner. I may not get it right every time, but I’m personally there to help. I’ve had a product not cancel a subscription and charge a user for an extra month — and I’ve happily refunded my former customer without incident, without question, and without issue. I have not hired other people because I am too small to afford anyone else, so I personally am the web developer, the app developer, the tech support, the salesperson, the marketer, and everything in the company. NOT TO CARE I CANNOT afford NOT TO CARE about you and your business. There is another thing: I’m not Walmart, I’m not Amazon — great big companies that I buy things from — and I’m not a big business. I even barter with other small businesses to use their products and allow them to use mine, all so we can save ourselves from having to pay cash or credit to each other. I’m still a small business and I support other small businesses. Tell me all about the large businesses that are supporting you — sure, you can get products for cheap and in bulk — and that is a great way to support your business, but as a small business owner, who is buying your products and how can you even compete with the likeness of Amazon or Walmart brands? — Or any of the other brands out there? Believe it or not: these are pretty much the top companies that own everything you and everyone else will ever buy — to them, you’re not really competition, and you barely exist, and they are truly after putting you out of business and wouldn’t hesitate to do so. The biggest corporations are notorious for buying smaller companies and oblierating their operations so they can remain the only ones without competition. Don’t hate them too much — it’s the way of the world, and they aren’t going anywhere. They will all be here long after our great grandchildren pass away, and this is mainly just the companies that deal with food. I don’t make enough from my products to quit my day job. It is my dream and the dream of many to no longer have to work at their day jobs, but rather focus on their passions, but it is still not — and is a long ways away from my reality. I’m a “local online business” that is trying to make a living from my products. I have yet to resort to selling my body for sex or science. I’m pretty sure science will accept me. Indie Hackers I did slave labor for a very long time in my teenage years and for almost half of my twenties, and for a short time in my thirties. In fact, I’m still doing slave labor, but it is more mental than physical nowadays. I go to work and I code for nearly 8 hours a day. I come home and despite being mentally exhausted, I work on my products, coding for at least another 4 hours. I have bills to pay, rent that is due every month, and food that my body requires. I have taxes to pay. I don’t live a luxurious lifestyle at all, though sometimes I do dream about waking up and being on a wonderful cruise. If you build it — they won’t come. If you advertise it — they might come. If you keep pushing it — they might use it. If you find it valuable — they might see the value in it. If you charge for it — they might pay for it. If you talk about it or blog about it, eventually, SEO might help you get discovered, and you might get a few interested people who will sign up, and maybe you will get lucky enough to get a few paying customers who like your products and don’t mind paying you their own hard earned money to solve their own pains and problems. Regardless of being the competition or used as an alternative, I have never given up on my talent, I don’t consider anything a failure — because I built my products for me first and foremost. I use most of my products every single day. As long as they are useful to me, how can they actually be a failure? I then monetize them for others to use. I try to spread the word with my story telling skills or the . little funding I have to try and hire others on Fiverr to help me So hopefully I’ve answered the question “ I’m just me, a human being, an individual trying to make it in this world. I enjoy programming. I enjoy creating products. I enjoy when others use my products and actually pay the little money I need to keep funding them and my future endeavors. I don’t have to answer to any stockholders or sell your data to companies to become the most profitable company in the world. What makes this different than Google Drive or Dropbox?” Yes, I would love to be the next Google, Facebook, Apple, or even Dropbox, but I already know it’s not going to happen, and I’m okay with that. I don’t have the intelligence of a hundred programmers. I have the intelligence of just one. What I do know is that I continue programming and solving my own pains and sharing my products with the world in hopes that maybe somewhere out there, one of you will have the same exact pain as me — love my product, use my product, and even pay me for my product. So all of the giants may be my competition, but my products are still an alternative. Image Sources: Google

Competing Against The Giants As An Alternative

Hello JavaScript Enthusiasts! Welcome to this week’s edition of “This Week In JavaScript”! Today, we’re diving into TypeScript’s latest release candidate, a thought-provoking discussion about the future of frameworks in the AI era, and some must-know tools to boost your dev game. Let’s jump right in! Typescript 5.7 RC Lands You can now install TypeScript 5.7 Release Candidate with: npm install -D typescript@rc Here’s what’s new: Smarter Bug Detection: New checks catch never-initialized variables, even in deeply nested functions. No-Build Convenience: For ts-node and Deno users, the --rewriteRelativeImportExtensions option automatically converts .ts imports to .js, allowing developers to run TypeScript code seamlessly across multiple environments like Node.js and Deno. ECMAScript 2024: Full support for Object.groupBy and Promise.withResolvers, helping you leverage the latest ECMAScript features. The Vlt Package Manager and Serverless Registry Isaac Schlueter, the creator of npm, is back with something new—vlt and the Serverless Registry (vsr). vlt Package Manager: A faster, sleeker alternative to npm with features like improved performance and dependency query syntax. Serverless Registry: Compatible with npm, this scalable, private registry gives you full control over your package distribution. These tools could significantly streamline how developers manage JavaScript packages by offering faster performance and more control over private package distribution. Component Party If you’re a front-end dev working across multiple frameworks, Component Party is your new best friend. It’s a tool that compares how common tasks are performed across different libraries like React, Vue, Svelte, and Angular. With its latest additions—support for Svelte 5 and Angular 17—it’s more up-to-date than ever. It offers a side-by-side comparison of how common tasks—like rendering a component or managing state—are handled across libraries like React, Vue, and Svelte. This makes it easier to learn or switch frameworks without wasting time hunting through documentation. The AI Framework Debate With tools like Replit, Cursor, v0 and more that generate functional code almost instantly, a new debate is brewing: Will frameworks still matter in the future? Speed vs. Structure: AI-generated code might reduce the reliance on traditional frameworks for certain projects, but frameworks will likely remain essential for larger, complex applications. The real question is how frameworks will evolve alongside these AI tools. Future Impact: As AI advances, we might see a shift in how software is built—frameworks could evolve or become less relevant. It’s definitely something to keep an eye on! Tools & Releases YOU SHOULD KNOW ABOUT Here are some key tools and releases that deserve a spot on your radar this week: Parcel 2.13.0: This update includes faster resolver caching (which speeds up builds by improving how dependencies are resolved) and adds glob support in package.json, allowing you to match patterns for files more easily. Lexical 0.20: Lexical is an extensible text editor framework from Meta, focused on speed, accessibility, and cross-platform compatibility. It even has a Swift variant for iOS, making it a must-try if you’re building text-heavy apps. @clerk/nextjs v6: Clerk’s latest release supports Next.js 15 with async auth(), static rendering by default, and partial pre-rendering. It’s backward-compatible with Next.js 14, making it a seamless upgrade for any dev team. Storybook 8.4: Frontend devs, this is one to check out! Storybook 8.4 now features one-click component testing right in your browser, full support for Svelte 5, and React Native Storybook updates. Plus, the bundle size is now 50% smaller, making it faster and leaner. Jsep: Looking to parse expressions in JavaScript? jsep is a lightweight library that converts expressions like x * (1 + 2) into an AST. It’s flexible, lightweight, and supports custom operators, making it perfect for both client and server-side projects. Expo SDK 52: React Native developers, this one's for you! Expo SDK 52 brings React Native 0.76 with a 38% performance boost thanks to its new architecture. This release also includes new libraries, bug fixes, and ecosystem improvements. Upgrade now with npx expo install expo@^52.0.0 --fix If you found these JavaScript updates useful, give this post an upvote to help others discover it. Don’t forget to share it with your fellow developers and keep an eye out for more insights in the JavaScript world. Until next time, keep coding and stay curious! Hello JavaScript Enthusiasts! Welcome to this week’s edition of “ This Week In JavaScript ”! This Week In JavaScript Today, we’re diving into TypeScript’s latest release candidate, a thought-provoking discussion about the future of frameworks in the AI era, and some must-know tools to boost your dev game. Let’s jump right in! Typescript 5.7 RC Lands You can now install TypeScript 5.7 Release Candidate with: TypeScript 5.7 Release Candidate npm install -D typescript@rc npm install -D typescript@rc Here’s what’s new: Here’s what’s new: Smarter Bug Detection: New checks catch never-initialized variables, even in deeply nested functions. Smarter Bug Detection: No-Build Convenience: For ts-node and Deno users, the --rewriteRelativeImportExtensions option automatically converts .ts imports to .js, allowing developers to run TypeScript code seamlessly across multiple environments like Node.js and Deno. No-Build Convenience: ECMAScript 2024: Full support for Object.groupBy and Promise.withResolvers, helping you leverage the latest ECMAScript features. ECMAScript 2024: The Vlt Package Manager and Serverless Registry Isaac Schlueter , the creator of npm , is back with something new—vlt and the Serverless Registry (vsr) . Isaac Schlueter npm new—vlt and the Serverless Registry (vsr) vlt Package Manager: A faster, sleeker alternative to npm with features like improved performance and dependency query syntax. vlt Package Manager: Serverless Registry: Compatible with npm, this scalable, private registry gives you full control over your package distribution. Serverless Registry: These tools could significantly streamline how developers manage JavaScript packages by offering faster performance and more control over private package distribution. Component Party If you’re a front-end dev working across multiple frameworks, Component Party is your new best friend. It’s a tool that compares how common tasks are performed across different libraries like React , Vue , Svelte , and Angular . Component Party React Vue Svelte Angular With its latest additions—support for Svelte 5 and Angular 17 —it’s more up-to-date than ever. It offers a side-by-side comparison of how common tasks—like rendering a component or managing state—are handled across libraries like React , Vue , and Svelte . This makes it easier to learn or switch frameworks without wasting time hunting through documentation. Svelte 5 and Angular 17 React Vue Svelte The AI Framework Debate With tools like Replit , Cursor , v0 and more that generate functional code almost instantly, a new debate is brewing: Will frameworks still matter in the future? Replit Cursor v0 Speed vs. Structure: AI-generated code might reduce the reliance on traditional frameworks for certain projects, but frameworks will likely remain essential for larger, complex applications. The real question is how frameworks will evolve alongside these AI tools. Speed vs. Structure: Future Impact: As AI advances, we might see a shift in how software is built—frameworks could evolve or become less relevant. It’s definitely something to keep an eye on! Future Impact: Tools & Releases YOU SHOULD KNOW ABOUT Here are some key tools and releases that deserve a spot on your radar this week: Parcel 2.13.0: This update includes faster resolver caching (which speeds up builds by improving how dependencies are resolved) and adds glob support in package.json, allowing you to match patterns for files more easily. Parcel 2.13.0: Lexical 0.20: Lexical is an extensible text editor framework from Meta, focused on speed, accessibility, and cross-platform compatibility. It even has a Swift variant for iOS, making it a must-try if you’re building text-heavy apps. Lexical 0.20: @clerk/nextjs v6: Clerk’s latest release supports Next.js 15 with async auth(), static rendering by default, and partial pre-rendering. It’s backward-compatible with Next.js 14, making it a seamless upgrade for any dev team. @clerk/nextjs v6: Storybook 8.4: Frontend devs, this is one to check out! Storybook 8.4 now features one-click component testing right in your browser, full support for Svelte 5, and React Native Storybook updates. Plus, the bundle size is now 50% smaller, making it faster and leaner. Storybook 8.4: Jsep: Looking to parse expressions in JavaScript? jsep is a lightweight library that converts expressions like x * (1 + 2) into an AST. It’s flexible, lightweight, and supports custom operators, making it perfect for both client and server-side projects. Jsep: x * (1 + 2) Expo SDK 52: React Native developers, this one's for you! Expo SDK 52 brings React Native 0.76 with a 38% performance boost thanks to its new architecture. This release also includes new libraries, bug fixes, and ecosystem improvements. Expo SDK 52: Upgrade now with npx expo install expo@^52.0.0 --fix npx expo install expo@^52.0.0 --fix If you found these JavaScript updates useful, give this post an upvote to help others discover it. Don’t forget to share it with your fellow developers and keep an eye out for more insights in the JavaScript world. Until next time, keep coding and stay curious!

TypeScript 5.7 RC Released, New npm Alternative, Future of JavaScript Frameworks - This Week in JS

Many crypto enthusiasts are on the hunt for the next “100x gem.” While it’s possible to find one, most people lose funds long before they do. Maybe if they opened their eyes and saw the behemoth right in front of them, they’d still have skin in the game. In 2024, well over a decade after its initial launch, Bitcoin is still untouched in terms of its influence and market position in the cryptocurrency space. Since 2016, other infrastructures like Ethereum and Solana have gained momentum in recent times through the introduction of smart contracts, NFTs, and more. However, the Bitcoin ecosystem has followed suit wherever it could thanks to additions such as the lightning network, runes, and ordinals. In a recent in-depth interview with Markus Bopp, the CEO of Tap Protocol, I explored the nuances, benefits, and challenges of these latest developments to unravel what the future truly holds for the BTC ecosystem. Let’s get to it. Understanding native bitcoin assets In simple terms, native bitcoin assets refer to applications and digital assets built directly on the so-called Layer 1 network of Bitcoin. As such, these don’t include third party networks such as Wormhole, where only wrapped BTC are used. These assets are inherently tied to Bitcoin's infrastructure, benefiting from its decentralization and immutability. Examples include using Bitcoin's Script language to create simple smart contracts or leveraging existing transaction types to develop new asset classes. In contrast, building alongside Bitcoin involves creating Layer 2 solutions, sidechains, or even forking Bitcoin's codebase to develop new, independent blockchains (which for example has previously happened with Bitcoin Cash, BSV, and Bitcoin Gold). Layer 2 solutions can provide more flexibility and functionalities, such as complex smart contracts and faster transaction times. However, they also come with unique challenges, particularly regarding security and asset traceability. “In terms of assets, the origin matters. Doesn’t matter if it’s for collectibles or NFTs. For assets that originate on an L2, tracing their origin can be challenging if the L2 ceases to exist. While you could argue that bridging these assets back to Bitcoin could solve the problem, you'd still need to recover the L2 protocol that created these assets. With multiple L2s, the likelihood of losing track of their origins becomes pretty high,” according to Bopp. The benefits of building on the Bitcoin blockchain Bitcoin's blockchain has historically been a hotbed of innovation. By building on Bitcoin, developers can create entirely new asset classes that are virtually unparalleled in security and exposure. After all, the biggest benefit of the Bitcoin network is its enormous size and security –its extensive decentralization ensures that assets remain virtually unhackable (e.g. through double spending attacks), making it an ideal platform for long-term projects. “This approach opens up tons of opportunities for consumers and miners. Many of them are finding new ways to take advantage of these options,” stated Bopp. The drawbacks Despite its advantages, building on Bitcoin does come with quite a few challenges. Many essential tools and products are yet to be developed, which can slow adoption and limit possibilities compared to more established platforms like Ethereum. Bitcoin's relatively simple scripting language lacks the capabilities of more advanced smart contract platforms. This can make developing complex dApps directly on Bitcoin more difficult. Moreover, unlike Ethereum, which generates a new block every 10-20 seconds, Bitcoin's slower block time of roughly 10 minutes can be a major drawback for time-sensitive use cases. While this ensures greater security, it may not be a dealbreaker for some developers. However, the Bopp said there is a flip side. “This might not be a real negative, as it allows new ecosystems to develop and new discoveries to be made.” The case for native Bitcoin assets Native Bitcoin assets offer superior security and traceability compared to those built on sidechains or L2 solutions. This makes them more reliable for long-term value storage and regulatory compliance. Developers can leverage its established security, decentralization, and regulatory standing by building directly on Bitcoin. This reduces risks and enhances the credibility of the assets created. “Bitcoin lacks native smart contract support. I can’t argue that. And yes, it has slower block finality. But building on Bitcoin as a platform remains advantageous. Building on the native chain is important since many L1-based products should inherit the regulatory characteristics already applied to Bitcoin,” according to Bopp. Given Bitcoin's established status and ongoing development, assets built on its blockchain are more likely to withstand the test of time, offering a safer investment for the future. The Growing Popularity of Bitcoin L2 Solutions Layer 2 solutions are gaining traction for their ability to address Bitcoin's scalability and speed issues. Technologies like the Lightning Network enable faster transactions and lower fees, making Bitcoin more practical for everyday use. But with Tap Protocol, it’s unnecessary. Tap’s solution enables smart contract development directly on the Bitcoin ecosystem without needing a Layer 2 built on top of it. “Tap Protocol created smart contract capability to take something DeFi users love and make it possible on the Bitcoin chain,” said Bopp. Bitcoin Is Still the Future of Finance and Innovation Bitcoin remains a foundational pillar in the evolving landscape of blockchain technology and digital finance. Its network offers unparalleled security and traceability for assets built directly on its blockchain. Tap Protocol’s developers have found the answer to one of the ecosystem’s biggest challenges with their product: enabling the use of smart contracts directly on Bitcoin’s blockchain. No sidechain or L2 is needed. The emerging tech and teams working on these solutions underscore Bitcoin's flexibility and ongoing potential to adapt and grow. As native Bitcoin assets and alternative blockchain solutions continue to develop, Bitcoin's established regulatory framework and foundational strengths ensure its continued relevance and prominence in the financial industry. Many crypto enthusiasts are on the hunt for the next “100x gem.” While it’s possible to find one, most people lose funds long before they do. Maybe if they opened their eyes and saw the behemoth right in front of them, they’d still have skin in the game. Many crypto enthusiasts are on the hunt for the next “100x gem.” While it’s possible to find one, most people lose funds long before they do. Maybe if they opened their eyes and saw the behemoth right in front of them , they’d still have skin in the game. behemoth right in front of them behemoth right in front of them In 2024, well over a decade after its initial launch, Bitcoin is still untouched in terms of its influence and market position in the cryptocurrency space. Since 2016, other infrastructures like Ethereum and Solana have gained momentum in recent times through the introduction of smart contracts, NFTs, and more. However, the Bitcoin ecosystem has followed suit wherever it could thanks to additions such as the lightning network, runes, and ordinals. In a recent in-depth interview with Markus Bopp, the CEO of Tap Protocol, I explored the nuances, benefits, and challenges of these latest developments to unravel what the future truly holds for the BTC ecosystem. Let’s get to it. Understanding native bitcoin assets Understanding native bitcoin assets In simple terms, native bitcoin assets refer to applications and digital assets built directly on the so-called Layer 1 network of Bitcoin. As such, these don’t include third party networks such as Wormhole, where only wrapped BTC are used. These assets are inherently tied to Bitcoin's infrastructure, benefiting from its decentralization and immutability. Examples include using Bitcoin's Script language to create simple smart contracts or leveraging existing transaction types to develop new asset classes. In contrast, building alongside Bitcoin involves creating Layer 2 solutions , sidechains, or even forking Bitcoin's codebase to develop new, independent blockchains (which for example has previously happened with Bitcoin Cash, BSV, and Bitcoin Gold). creating Layer 2 solutions creating Layer 2 solutions Layer 2 solutions can provide more flexibility and functionalities, such as complex smart contracts and faster transaction times. However, they also come with unique challenges, particularly regarding security and asset traceability. “In terms of assets, the origin matters. Doesn’t matter if it’s for collectibles or NFTs. For assets that originate on an L2, tracing their origin can be challenging if the L2 ceases to exist. While you could argue that bridging these assets back to Bitcoin could solve the problem, you'd still need to recover the L2 protocol that created these assets. With multiple L2s, the likelihood of losing track of their origins becomes pretty high,” according to Bopp. The benefits of building on the Bitcoin blockchain The benefits of building on the Bitcoin blockchain Bitcoin's blockchain has historically been a hotbed of innovation. By building on Bitcoin, developers can create entirely new asset classes that are virtually unparalleled in security and exposure. After all, the biggest benefit of the Bitcoin network is its enormous size and security –its extensive decentralization ensures that assets remain virtually unhackable (e.g. through double spending attacks), making it an ideal platform for long-term projects. “This approach opens up tons of opportunities for consumers and miners. Many of them are finding new ways to take advantage of these options,” stated Bopp. The drawbacks The drawbacks Despite its advantages, building on Bitcoin does come with quite a few challenges. Many essential tools and products are yet to be developed, which can slow adoption and limit possibilities compared to more established platforms like Ethereum. Bitcoin's relatively simple scripting language lacks the capabilities of more advanced smart contract platforms. This can make developing complex dApps directly on Bitcoin more difficult. Bitcoin's relatively simple scripting language Bitcoin's relatively simple scripting language Moreover, unlike Ethereum, which generates a new block every 10-20 seconds, Bitcoin's slower block time of roughly 10 minutes can be a major drawback for time-sensitive use cases. While this ensures greater security, it may not be a dealbreaker for some developers. However, the Bopp said there is a flip side. “This might not be a real negative, as it allows new ecosystems to develop and new discoveries to be made.” The case for native Bitcoin assets The case for native Bitcoin assets Native Bitcoin assets offer superior security and traceability compared to those built on sidechains or L2 solutions. This makes them more reliable for long-term value storage and regulatory compliance. Developers can leverage its established security, decentralization, and regulatory standing by building directly on Bitcoin. This reduces risks and enhances the credibility of the assets created. “Bitcoin lacks native smart contract support. I can’t argue that. And yes, it has slower block finality. But building on Bitcoin as a platform remains advantageous. Building on the native chain is important since many L1-based products should inherit the regulatory characteristics already applied to Bitcoin,” according to Bopp. Given Bitcoin's established status and ongoing development, assets built on its blockchain are more likely to withstand the test of time, offering a safer investment for the future. The Growing Popularity of Bitcoin L2 Solutions The Growing Popularity of Bitcoin L2 Solutions Layer 2 solutions are gaining traction for their ability to address Bitcoin's scalability and speed issues. Technologies like the Lightning Network enable faster transactions and lower fees, making Bitcoin more practical for everyday use. But with Tap Protocol, it’s unnecessary. Tap’s solution enables smart contract development directly on the Bitcoin ecosystem without needing a Layer 2 built on top of it. “Tap Protocol created smart contract capability to take something DeFi users love and make it possible on the Bitcoin chain,” said Bopp. Bitcoin Is Still the Future of Finance and Innovation Bitcoin Is Still the Future of Finance and Innovation Bitcoin remains a foundational pillar in the evolving landscape of blockchain technology and digital finance. Its network offers unparalleled security and traceability for assets built directly on its blockchain. Tap Protocol’s developers have found the answer to one of the ecosystem’s biggest challenges with their product: enabling the use of smart contracts directly on Bitcoin’s blockchain. No sidechain or L2 is needed. The emerging tech and teams working on these solutions underscore Bitcoin's flexibility and ongoing potential to adapt and grow. As native Bitcoin assets and alternative blockchain solutions continue to develop, Bitcoin's established regulatory framework and foundational strengths ensure its continued relevance and prominence in the financial industry.

Exploring Native Bitcoin Ecosystem Assets vs Alternatives 

WHITEFISH, Montana, October 29th, 2024/Chainwire/--ARQ Securities is pleased to announce it has received its Digital Alternative Trading System (ARQ Securities ATS) and is launching the platform on Liquidity.io [today October 29th, 2024]. Liquidity.io is a cutting-edge platform designed to revolutionize the trading and settlement of private credit and private stock for accredited and institutional investors. It took nearly three years of extensive software development while acquiring all necessary regulatory approvals to finally take the platform live. Additionally, the Liquidity Transfer Agency bridges transactions to public blockchains like Solana, Polygon, and soon Avalanche. “The approval of our digital ATS license is a monumental step forward in our mission to transform the private markets,” said Eric Choi, CEO of ARQ Securities. “Liquidity.io will provide institutional and accredited investors with unprecedented access to Private Assets that are hard to trade and settle. We are going to set a new standard for efficiency and liquidity in credit and private stock. We’re excited to launch with over a billion dollars in Letters of Intent from key industry players and look forward to growing our pipeline of assets in 2025.” “Liquidity.io creates a seamless and secure environment for trading private assets,” added Ram Praturi, VP of Engineering at Liquidity.io. “By bridging our Liquidity Transfer Agency to Solana, Polygon, and soon Avalanche, we’re ensuring transparency, interoperability, and flexibility for our issuers and investors.” ThinkEnergy Debuts as Liquidity.io's Inaugural Issuance: A Milestone in Sustainable Energy Investments With its groundbreaking refining technology that reduces CO2 emissions by 50%, ThinkEnergy exemplifies our commitment to investments that offer financial returns while positively impacting the global energy landscape. This opportunity allows investors to join ThinkEnergy's transformative mission toward a more sustainable and efficient energy sector. Focus on Private Credit and Private Stock Liquidity.io will initially concentrate on two key asset classes: private credit and private stock, offering institutional and accredited investors a streamlined and transparent way to trade these traditionally illiquid assets. The private credit market has seen significant growth, driven by investors seeking higher yields and diversification. However, the lack of standardized processes and limited transparency have been persistent challenges. Liquidity.io aims to address these issues by leveraging its digital platform to document and automate the trading and settlement processes, thereby reducing operational complexity and improving liquidity. Strategic Partnerships and Advanced Technology Over the past year, ARQ Securities has forged strategic partnerships with players in the private credit and private equity sectors, collecting over a billion dollars in Letters of Intent to list on the platform, including: Leading private credit originators with significant portfolios, who have committed to listing their assets on Liquidity.io.
Multiple private companies seeking to provide liquidity options for their shareholders through the platform.
Various banks, broker-dealers, and registered investment advisors (RIAs) are interested in utilizing Liquidity.io for the efficient execution of private asset transactions. Looking Forward With the digital ATS license secured and the launch of Liquidity.io imminent, ARQ Securities is poised to transform the trading landscape for private credit and private stock markets. We encourage interested parties to contact us to explore listing opportunities and to discuss assets available on our platform at launch. If you manage a private asset class with complex settlement processes, we invite you to partner with us to automate these procedures. Our company is enthusiastic about fostering partnerships and seeking new opportunities to offer issuers and investors more efficient and transparent access. For more information or to discuss partnership opportunities, interested parties can contact: Eric Choi, ARQ Securities: CEO, https://www.linkedin.com/in/eric-choi-10750241/ Austin Trombley, Satschel, Inc: CEO, https://www.linkedin.com/in/austintrombley/ For more information about ARQ Securities and Liquidity.io, visit www.liquidity.io. About ARQ Securities: ARQ Securities LLC., a subsidiary of Satschel, Inc., is at the forefront of financial technology, dedicated to reshaping the future of securities trading through innovation and efficiency. With a focus on digital asset tokenization and alternative trading systems, ARQ Securities is committed to empowering issuers, brokers, and investors with cutting-edge platforms and solutions. Contacts CEO Eric Choi ARQ Securities echoi@arqsecurities.com CEO Austin Trombley Satschel, Inc. austin.trombley@satschel.com This story was distributed as a release by Chainwire under HackerNoon’s Business Blogging Program. Learn more about the program here WHITEFISH, Montana, October 29th, 2024/Chainwire/--ARQ Securities is pleased to announce it has received its Digital Alternative Trading System (ARQ Securities ATS) and is launching the platform on Liquidity.io [today October 29th, 2024]. Liquidity.io is a cutting-edge platform designed to revolutionize the trading and settlement of private credit and private stock for accredited and institutional investors. It took nearly three years of extensive software development while acquiring all necessary regulatory approvals to finally take the platform live. Additionally, the Liquidity Transfer Agency bridges transactions to public blockchains like Solana, Polygon, and soon Avalanche. “The approval of our digital ATS license is a monumental step forward in our mission to transform the private markets,” said Eric Choi, CEO of ARQ Securities. “The approval of our digital ATS license is a monumental step forward in our mission to transform the private markets,” said Eric Choi, CEO of ARQ Securities. “Liquidity.io will provide institutional and accredited investors with unprecedented access to Private Assets that are hard to trade and settle. We are going to set a new standard for efficiency and liquidity in credit and private stock. We’re excited to launch with over a billion dollars in Letters of Intent from key industry players and look forward to growing our pipeline of assets in 2025.” “Liquidity.io will provide institutional and accredited investors with unprecedented access to Private Assets that are hard to trade and settle. We are going to set a new standard for efficiency and liquidity in credit and private stock. We’re excited to launch with over a billion dollars in Letters of Intent from key industry players and look forward to growing our pipeline of assets in 2025.” “Liquidity.io creates a seamless and secure environment for trading private assets,” added Ram Praturi, VP of Engineering at Liquidity.io. “By bridging our Liquidity Transfer Agency to Solana, Polygon, and soon Avalanche, we’re ensuring transparency, interoperability, and flexibility for our issuers and investors.” “Liquidity.io creates a seamless and secure environment for trading private assets,” added Ram Praturi, VP of Engineering at Liquidity.io. “By bridging our Liquidity Transfer Agency to Solana, Polygon, and soon Avalanche, we’re ensuring transparency, interoperability, and flexibility for our issuers and investors.” ThinkEnergy Debuts as Liquidity.io's Inaugural Issuance: A Milestone in Sustainable Energy Investments ThinkEnergy Debuts as Liquidity.io's Inaugural Issuance: A Milestone in Sustainable Energy Investments With its groundbreaking refining technology that reduces CO2 emissions by 50%, ThinkEnergy exemplifies our commitment to investments that offer financial returns while positively impacting the global energy landscape. This opportunity allows investors to join ThinkEnergy's transformative mission toward a more sustainable and efficient energy sector. Focus on Private Credit and Private Stock Liquidity.io will initially concentrate on two key asset classes: private credit and private stock, offering institutional and accredited investors a streamlined and transparent way to trade these traditionally illiquid assets. The private credit market has seen significant growth, driven by investors seeking higher yields and diversification. However, the lack of standardized processes and limited transparency have been persistent challenges. Liquidity.io aims to address these issues by leveraging its digital platform to document and automate the trading and settlement processes, thereby reducing operational complexity and improving liquidity. Strategic Partnerships and Advanced Technology Over the past year, ARQ Securities has forged strategic partnerships with players in the private credit and private equity sectors, collecting over a billion dollars in Letters of Intent to list on the platform, including: Leading private credit originators with significant portfolios, who have committed to listing their assets on Liquidity.io. Multiple private companies seeking to provide liquidity options for their shareholders through the platform. Various banks, broker-dealers, and registered investment advisors (RIAs) are interested in utilizing Liquidity.io for the efficient execution of private asset transactions. Leading private credit originators with significant portfolios, who have committed to listing their assets on Liquidity.io. Multiple private companies seeking to provide liquidity options for their shareholders through the platform. Various banks, broker-dealers, and registered investment advisors (RIAs) are interested in utilizing Liquidity.io for the efficient execution of private asset transactions. Looking Forward With the digital ATS license secured and the launch of Liquidity.io imminent, ARQ Securities is poised to transform the trading landscape for private credit and private stock markets. We encourage interested parties to contact us to explore listing opportunities and to discuss assets available on our platform at launch. If you manage a private asset class with complex settlement processes, we invite you to partner with us to automate these procedures. Our company is enthusiastic about fostering partnerships and seeking new opportunities to offer issuers and investors more efficient and transparent access. For more information or to discuss partnership opportunities, interested parties can contact: Eric Choi, ARQ Securities: CEO, https://www.linkedin.com/in/eric-choi-10750241/ https://www.linkedin.com/in/eric-choi-10750241/ https://www.linkedin.com/in/eric-choi-10750241/ Austin Trombley, Satschel, Inc: CEO, https://www.linkedin.com/in/austintrombley/ https://www.linkedin.com/in/austintrombley/ https://www.linkedin.com/in/austintrombley/ For more information about ARQ Securities and Liquidity.io, visit www.liquidity.io . www.liquidity.io www.liquidity.io About ARQ Securities: ARQ Securities LLC., a subsidiary of Satschel, Inc., is at the forefront of financial technology, dedicated to reshaping the future of securities trading through innovation and efficiency. With a focus on digital asset tokenization and alternative trading systems, ARQ Securities is committed to empowering issuers, brokers, and investors with cutting-edge platforms and solutions. Contacts CEO Eric Choi ARQ Securities echoi@arqsecurities.com CEO Austin Trombley Satschel, Inc. austin.trombley@satschel.com This story was distributed as a release by Chainwire under HackerNoon’s Business Blogging Program. Learn more about the program here This story was distributed as a release by Chainwire under HackerNoon’s Business Blogging Program. Learn more about the program here here here

Liquidity.io To Launch With Over a Billion In LOIs In Alternative Investments 

Liquidity.io Ukax Mä Mil millones jila LOIs ukamp Inversiones Alternativas ukan qalltañataki 

Liquidity.io будзе запушчаны з больш чым мільярдам LOI у альтэрнатыўныя інвестыцыі 

Liquidity.io ще стартира с над един милиард LOI в алтернативни инвестиции 

Liquidity.io lanceres med over en milliard i LOI'er i alternative investeringer 

Liquidity.io se lanzará con más de mil millones de dólares en cartas de intención en inversiones alternativas

Liquidity.io、オルタナティブ投資で10億ドル以上のLOIを投入

Liquidity.io ដើម្បីចាប់ផ្តើមជាមួយនឹងជាងមួយពាន់លាននៅក្នុង LOIs នៅក្នុងការវិនិយោគជំនួស 

Liquidity.io tiks uzsākta ar vairāk nekā miljardu LOI alternatīvajos ieguldījumos 

Liquidity.io په بدیل پانګوونې کې له یو ملیارد څخه زیاتو LOIs سره پیل کول 

Liquidity.io sa spustí s viac ako miliardou LOI v alternatívnych investíciách 

Liquidity.io sẽ ra mắt với hơn một tỷ LOI trong các khoản đầu tư thay thế

Liquidity.io 即将推出，其另类投资意向书将超过 10 亿美元

16 Open-Source Alternatives to Popular SaaS Tools: Cost-Effective & Customizable Solutions 👨‍💻🔥

If you're familiar with Bootstrap and Tailwind CSS, you know how tough it can be to debug your codebase, especially when you're working on a big application. Honestly, every Bootstrap or Tailwind CSS project I worked on ended up with far too many lines of code, and it got to a point where I got bored with that approach. How does Yumma CSS Compare? Yumma CSS uses an abbreviated naming convention that’s similar to the regular CSS syntax. Centering using Flexbox Let's see how centering with Flex box fares in these frameworks: Using Bootstrap <div class="align-items-center d-flex justify-content-center">...</div> Using Tailwind CSS <div class="items-center flex justify-center">...</div> Using Yumma CSS <div class="ai-c d-f jc-c">...</div> Media queries and variants Yumma CSS offers a set of pseudo-classes and responsive breakpoints such as sm:*, md:*, lg:*, xl:*, and xxl:*. This makes it easy to adapt your designs based on screen size and user interactions. Building components Let’s see how Yumma CSS stacks up against Tailwind CSS when building a Card Grid component. Tailwind CSS Card <div class="grid h-screen w-full gap-4 p-6 md:grid-flow-dense md:grid-cols-3 md:grid-rows-3">
    <div
        class="flex flex-col overflow-hidden rounded-xl border border-gray-200 bg-white p-6 shadow-lg md:col-span-1 md:row-span-2">
        <div class="flex-grow">
            <h1 class="mb-2 text-2xl font-semibold text-gray-800">
                Yumma OS 7.2
            </h1>
            <p class="mb-4 text-sm text-gray-600">
                This update has some important bug fixes and also fixes an issue that
                was preventing users from enabling or disabling Advanced Data Protection.
            </p>
            <a class="text-sm text-pink-500 underline" href="/">
                What's new?
            </a>
        </div>
        <div class="mt-auto flex flex-col space-y-4">
            <button class="h-12 rounded-md bg-pink-600 px-6 font-semibold text-white">
                Update Now
            </button>
            <button class="h-12 rounded-md border border-gray-200 px-6 font-semibold text-gray-900">
                Update Tonight
            </button>
        </div>
    </div>

    <div class="flex flex-col overflow-hidden rounded-xl border border-gray-200 bg-white p-6 shadow-lg md:col-start-2 md:row-start-1">
        <div class="flex-grow">
            <h1 class="mb-2 text-2xl font-semibold text-gray-800">
                Patch 6.2
            </h1>
            <p class="mb-4 text-sm text-gray-600">
                This update fixes security issues. Install it to keep your system safe.
            </p>
        </div>
        <button class="mb-4 mt-auto h-12 rounded-md bg-pink-600 px-6 font-semibold text-white">
            Update Now
        </button>
    </div>

    <div class="flex flex-col overflow-hidden rounded-xl border border-gray-200 bg-white p-6 shadow-lg md:col-start-2 md:row-start-2">
        <div class="flex-grow">
            <h1 class="mb-2 text-2xl font-semibold text-gray-800">
                What's new?
            </h1>
            <p class="mb-4 text-sm text-gray-600">
                Take a look at the new features in the latest release, including better user interface elements and a more stable system.
            </p>
            <a class="text-sm text-pink-500 underline" href="/">
                Learn more
            </a>
        </div>
    </div>
</div> Yumma CSS Card <div class="d-g h-1/1 w-full g-4 p-6 md:gaf-d md:gtc-3 md:gtr-3">
    <div class="d-f fd-c ovf-h rad-3 b-1 bc-l-silver-6 bg-white p-6 bs-sm md:gc-s-1 md:gr-s-2">
        <div class="fg-1">
            <h1 class="mb-2 fs-xl fw-600 tc-d-lead-2">
                Yumma OS 7.2
            </h1>
            <p class="mb-4 fs-sm tc-l-lead-3">
                This update has some important bug fixes and also fixes an issue that was preventing users from enabling or disabling Advanced Data Protection.
            </p>
            <a class="fs-sm tc-pink tdl-u" href="/">
                What's new?
            </a>
        </div>
        <div class="mt-auto d-f fd-c s-y-4">
            <button class="h-12 rad-2 bg-pink px-6 fw-600 tc-white">
                Update Now
            </button>
            <button class="h-12 rad-2 b-1 bc-l-silver-5 px-6 fw-600 tc-lead">
                Update Tonight
            </button>
        </div>
    </div>

    <div class="d-f fd-c ovf-h rad-3 b-1 bc-l-silver-6 bg-white p-6 bs-sm md:gcs-2 md:grs-1">
        <div class="fg-1">
            <h1 class="mb-2 fs-xl fw-600 tc-d-lead-2">
                Patch 6.2
            </h1>
            <p class="mb-4 fs-sm tc-l-lead-3">
                This update fixes security issues. Install it to keep your system safe.
            </p>
        </div>
        <button class="h-12 rad-2 bg-pink px-6 fw-600 tc-white mt-auto mb-4">
            Update Now
        </button>
    </div>

    <div class="d-f fd-c ovf-h rad-3 b-1 bc-l-silver-6 bg-white p-6 bs-sm md:gcs-2 md:grs-2">
        <div class="fg-1">
            <h1 class="mb-2 fs-xl fw-600 tc-d-lead-2">
                What's new?
            </h1>
            <p class="mb-4 fs-sm tc-l-lead-3">
                Take a look at the new features in the latest release, including better user interface elements and a more stable system.
            </p>
            <a class="fs-sm tc-pink tdl-u" href="/">
                Learn more
            </a>
        </div>
    </div>
</div> Maintainability and scalability When you're working on a big project, it's really important to be able to maintain your work. That's why we've designed Yumma CSS to be modular and scalable. It's a great choice for applications that use modern frameworks like React or Vue. Its concise class names and organized structure help you keep your styles manageable and your code clean. Yumma CSS

Property



ai-c

align-items: center;



bg-blue

background-color: #3575dd;



d-f

display: flex;



jc-c

justify-content: center;



m-4

margin: 1rem;



p-4

padding: 1rem;



rad-1

border-radius: 4px;



ta-c

text-align: center;



tc-white

color: #ffffff;



w-full

width: 100%; Conclusion Yumma CSS is all about keeping things simple and minimalist when it comes to styling. It can really help to cut down on the complexity and verbosity of your code. Its naming conventions and modular design are super concise and make it a great tool for modern web development. Give Yumma CSS a try and see how it can help you work more efficiently on your projects! Learn more about Yumma CSS If you're familiar with Bootstrap and Tailwind CSS, you know how tough it can be to debug your codebase, especially when you're working on a big application. Honestly, every Bootstrap or Tailwind CSS project I worked on ended up with far too many lines of code, and it got to a point where I got bored with that approach. How does Yumma CSS Compare? Yumma CSS uses an abbreviated naming convention that’s similar to the regular CSS syntax. Yumma CSS Centering using Flexbox Let's see how centering with Flex box fares in these frameworks: Using Bootstrap Using Bootstrap <div class="align-items-center d-flex justify-content-center">...</div> <div class="align-items-center d-flex justify-content-center">...</div> Using Tailwind CSS Using Tailwind CSS <div class="items-center flex justify-center">...</div> <div class="items-center flex justify-center">...</div> Using Yumma CSS Using Yumma CSS <div class="ai-c d-f jc-c">...</div> <div class="ai-c d-f jc-c">...</div> Media queries and variants Yumma CSS offers a set of pseudo-classes and responsive breakpoints such as sm:* , md:* , lg:* , xl:* , and xxl:* . This makes it easy to adapt your designs based on screen size and user interactions. sm:* md:* lg:* xl:* xxl:* Building components Let’s see how Yumma CSS stacks up against Tailwind CSS when building a Card Grid component. Tailwind CSS Card <div class="grid h-screen w-full gap-4 p-6 md:grid-flow-dense md:grid-cols-3 md:grid-rows-3">
    <div
        class="flex flex-col overflow-hidden rounded-xl border border-gray-200 bg-white p-6 shadow-lg md:col-span-1 md:row-span-2">
        <div class="flex-grow">
            <h1 class="mb-2 text-2xl font-semibold text-gray-800">
                Yumma OS 7.2
            </h1>
            <p class="mb-4 text-sm text-gray-600">
                This update has some important bug fixes and also fixes an issue that
                was preventing users from enabling or disabling Advanced Data Protection.
            </p>
            <a class="text-sm text-pink-500 underline" href="/">
                What's new?
            </a>
        </div>
        <div class="mt-auto flex flex-col space-y-4">
            <button class="h-12 rounded-md bg-pink-600 px-6 font-semibold text-white">
                Update Now
            </button>
            <button class="h-12 rounded-md border border-gray-200 px-6 font-semibold text-gray-900">
                Update Tonight
            </button>
        </div>
    </div>

    <div class="flex flex-col overflow-hidden rounded-xl border border-gray-200 bg-white p-6 shadow-lg md:col-start-2 md:row-start-1">
        <div class="flex-grow">
            <h1 class="mb-2 text-2xl font-semibold text-gray-800">
                Patch 6.2
            </h1>
            <p class="mb-4 text-sm text-gray-600">
                This update fixes security issues. Install it to keep your system safe.
            </p>
        </div>
        <button class="mb-4 mt-auto h-12 rounded-md bg-pink-600 px-6 font-semibold text-white">
            Update Now
        </button>
    </div>

    <div class="flex flex-col overflow-hidden rounded-xl border border-gray-200 bg-white p-6 shadow-lg md:col-start-2 md:row-start-2">
        <div class="flex-grow">
            <h1 class="mb-2 text-2xl font-semibold text-gray-800">
                What's new?
            </h1>
            <p class="mb-4 text-sm text-gray-600">
                Take a look at the new features in the latest release, including better user interface elements and a more stable system.
            </p>
            <a class="text-sm text-pink-500 underline" href="/">
                Learn more
            </a>
        </div>
    </div>
</div> <div class="grid h-screen w-full gap-4 p-6 md:grid-flow-dense md:grid-cols-3 md:grid-rows-3">
    <div
        class="flex flex-col overflow-hidden rounded-xl border border-gray-200 bg-white p-6 shadow-lg md:col-span-1 md:row-span-2">
        <div class="flex-grow">
            <h1 class="mb-2 text-2xl font-semibold text-gray-800">
                Yumma OS 7.2
            </h1>
            <p class="mb-4 text-sm text-gray-600">
                This update has some important bug fixes and also fixes an issue that
                was preventing users from enabling or disabling Advanced Data Protection.
            </p>
            <a class="text-sm text-pink-500 underline" href="/">
                What's new?
            </a>
        </div>
        <div class="mt-auto flex flex-col space-y-4">
            <button class="h-12 rounded-md bg-pink-600 px-6 font-semibold text-white">
                Update Now
            </button>
            <button class="h-12 rounded-md border border-gray-200 px-6 font-semibold text-gray-900">
                Update Tonight
            </button>
        </div>
    </div>

    <div class="flex flex-col overflow-hidden rounded-xl border border-gray-200 bg-white p-6 shadow-lg md:col-start-2 md:row-start-1">
        <div class="flex-grow">
            <h1 class="mb-2 text-2xl font-semibold text-gray-800">
                Patch 6.2
            </h1>
            <p class="mb-4 text-sm text-gray-600">
                This update fixes security issues. Install it to keep your system safe.
            </p>
        </div>
        <button class="mb-4 mt-auto h-12 rounded-md bg-pink-600 px-6 font-semibold text-white">
            Update Now
        </button>
    </div>

    <div class="flex flex-col overflow-hidden rounded-xl border border-gray-200 bg-white p-6 shadow-lg md:col-start-2 md:row-start-2">
        <div class="flex-grow">
            <h1 class="mb-2 text-2xl font-semibold text-gray-800">
                What's new?
            </h1>
            <p class="mb-4 text-sm text-gray-600">
                Take a look at the new features in the latest release, including better user interface elements and a more stable system.
            </p>
            <a class="text-sm text-pink-500 underline" href="/">
                Learn more
            </a>
        </div>
    </div>
</div> Yumma CSS Card <div class="d-g h-1/1 w-full g-4 p-6 md:gaf-d md:gtc-3 md:gtr-3">
    <div class="d-f fd-c ovf-h rad-3 b-1 bc-l-silver-6 bg-white p-6 bs-sm md:gc-s-1 md:gr-s-2">
        <div class="fg-1">
            <h1 class="mb-2 fs-xl fw-600 tc-d-lead-2">
                Yumma OS 7.2
            </h1>
            <p class="mb-4 fs-sm tc-l-lead-3">
                This update has some important bug fixes and also fixes an issue that was preventing users from enabling or disabling Advanced Data Protection.
            </p>
            <a class="fs-sm tc-pink tdl-u" href="/">
                What's new?
            </a>
        </div>
        <div class="mt-auto d-f fd-c s-y-4">
            <button class="h-12 rad-2 bg-pink px-6 fw-600 tc-white">
                Update Now
            </button>
            <button class="h-12 rad-2 b-1 bc-l-silver-5 px-6 fw-600 tc-lead">
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        </div>
    </div>

    <div class="d-f fd-c ovf-h rad-3 b-1 bc-l-silver-6 bg-white p-6 bs-sm md:gcs-2 md:grs-1">
        <div class="fg-1">
            <h1 class="mb-2 fs-xl fw-600 tc-d-lead-2">
                Patch 6.2
            </h1>
            <p class="mb-4 fs-sm tc-l-lead-3">
                This update fixes security issues. Install it to keep your system safe.
            </p>
        </div>
        <button class="h-12 rad-2 bg-pink px-6 fw-600 tc-white mt-auto mb-4">
            Update Now
        </button>
    </div>

    <div class="d-f fd-c ovf-h rad-3 b-1 bc-l-silver-6 bg-white p-6 bs-sm md:gcs-2 md:grs-2">
        <div class="fg-1">
            <h1 class="mb-2 fs-xl fw-600 tc-d-lead-2">
                What's new?
            </h1>
            <p class="mb-4 fs-sm tc-l-lead-3">
                Take a look at the new features in the latest release, including better user interface elements and a more stable system.
            </p>
            <a class="fs-sm tc-pink tdl-u" href="/">
                Learn more
            </a>
        </div>
    </div>
</div> <div class="d-g h-1/1 w-full g-4 p-6 md:gaf-d md:gtc-3 md:gtr-3">
    <div class="d-f fd-c ovf-h rad-3 b-1 bc-l-silver-6 bg-white p-6 bs-sm md:gc-s-1 md:gr-s-2">
        <div class="fg-1">
            <h1 class="mb-2 fs-xl fw-600 tc-d-lead-2">
                Yumma OS 7.2
            </h1>
            <p class="mb-4 fs-sm tc-l-lead-3">
                This update has some important bug fixes and also fixes an issue that was preventing users from enabling or disabling Advanced Data Protection.
            </p>
            <a class="fs-sm tc-pink tdl-u" href="/">
                What's new?
            </a>
        </div>
        <div class="mt-auto d-f fd-c s-y-4">
            <button class="h-12 rad-2 bg-pink px-6 fw-600 tc-white">
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</div> Maintainability and scalability When you're working on a big project, it's really important to be able to maintain your work. That's why we've designed Yumma CSS to be modular and scalable. It's a great choice for applications that use modern frameworks like React or Vue. Its concise class names and organized structure help you keep your styles manageable and your code clean. Yumma CSS

Property



ai-c

align-items: center;



bg-blue

background-color: #3575dd;



d-f

display: flex;



jc-c

justify-content: center;



m-4

margin: 1rem;



p-4

padding: 1rem;



rad-1

border-radius: 4px;



ta-c

text-align: center;



tc-white

color: #ffffff;



w-full

width: 100%; Yumma CSS

Property ai-c

align-items: center; bg-blue

background-color: #3575dd; d-f

display: flex; jc-c

justify-content: center; m-4

margin: 1rem; p-4

padding: 1rem; rad-1

border-radius: 4px; ta-c

text-align: center; tc-white

color: #ffffff; w-full

width: 100%; Yumma CSS Property Yumma CSS Yumma CSS Property Property ai-c align-items: center; ai-c ai-c ai-c align-items: center; align-items: center; align-items: center; bg-blue background-color: #3575dd; bg-blue bg-blue bg-blue background-color: #3575dd; background-color: #3575dd; background-color: #3575dd; d-f display: flex; d-f d-f d-f display: flex; display: flex; display: flex; jc-c justify-content: center; jc-c jc-c jc-c justify-content: center; justify-content: center; justify-content: center; m-4 margin: 1rem; m-4 m-4 m-4 margin: 1rem; margin: 1rem; margin: 1rem; p-4 padding: 1rem; p-4 p-4 p-4 padding: 1rem; padding: 1rem; padding: 1rem; rad-1 border-radius: 4px; rad-1 rad-1 rad-1 border-radius: 4px; border-radius: 4px; border-radius: 4px; ta-c text-align: center; ta-c ta-c ta-c text-align: center; text-align: center; text-align: center; tc-white color: #ffffff; tc-white tc-white tc-white color: #ffffff; color: #ffffff; color: #ffffff; w-full width: 100%; w-full w-full w-full width: 100%; width: 100%; width: 100%; Conclusion Yumma CSS is all about keeping things simple and minimalist when it comes to styling. It can really help to cut down on the complexity and verbosity of your code. Its naming conventions and modular design are super concise and make it a great tool for modern web development. Give Yumma CSS a try and see how it can help you work more efficiently on your projects! Learn more about Yumma CSS Learn more about Yumma CSS

Yumma CSS - The New Alternative to Modern CSS Frameworks

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Authors:
(1) Athanasios Angelakis, Amsterdam University Medical Center, University of Amsterdam - Data Science Center, Amsterdam Public Health Research Institute, Amsterdam, Netherlands
(2) Andrey Rass, Den Haag, Netherlands. Table of Links Abstract and 1 Introduction
2 The Effect Of Data Augmentation-Induced Class-Specific Bias Is Influenced By Data, Regularization and Architecture
2.1 Data Augmentation Robustness Scouting
2.2 The Specifics Of Data Affect Augmentation-Induced Bias
2.3 Adding Random Horizontal Flipping Contributes To Augmentation-Induced Bias
2.4 Alternative Architectures Have Variable Effect On Augmentation-Induced Bias
3 Conclusion and Limitations, and References
Appendices A-L 2.4 Alternative Architectures Have Variable Effect On Augmentation-Induced Bias Having carried out a data-centric analysis of DA-induced class-specific bias, we dedicated the last series of experiments (see Figure 4) to a more model-centric approach to the phenomenon. Balestriero, Bottou, and LeCun (2022) illustrates that different architectures tend to agree on the label-preserving regimes for DA(α) - in other words, that swapping ResNet50 for a different model in the above experiments would not yield a notable difference in resulting class-specific and overall performance dynamics. To validate and expand on this claim, we recreated the experiment from Section 2.2 on the Fashion-MNIST dataset using another residual CNN, EfficientNetV2S, as well as a Vision Transformer in SWIN-Transformer. The ”small” EfficientNetV2S (Tan and Le 2021) architecture was selected due to being a modern and time-efficient implementation of the EfficientNet family of models. The model was downloaded, tuned and optimized using a procedure matching previous sections. The EfficientNetV2S runs of this section’s experiments seemed to further validate the original assumption that the phenomenon appears to be modelagnostic (though data-specific), at least for the residual family of CNNs, as the different complexity and size of the architecture did have an effect on the speed of class-specific bias occurring as the random crop α was increased, but the general dynamics of how performance evolved were preserved. For example, as can be seen in Figures 4, deterioration in per-class accuracy begins to occur rapidly for ”Dress” at an α value of 30% for EfficientNetV2S, in contrast to 40% for ResNet50. For a full summary of the diverse α at which each class and mean test set performance reach their peak, see Appendix I. With the previous section confirming the model-agnostic nature of the phenomenon as it pertains to residual CNNs, the final trial followed up by evaluating the performance of a SWIN Transformer, as the architecture is composed in a fundamentally different way, and can be adjusted to perceive images with a finer level of granularity via the patch size parameter. The model was prepared similarly to previous sections. As visible in Figure 4 and Appendix L, while the use of a Vision Transformer model did not entirely avert the overall class-specific bias trend as random cropping was applied more aggressively, it severely delayed its heavier impacts, and even noticeably changed the behavior of certain classes (for example, maintaining the stability of the top performers in ”Trouser” and ”Sandal” even for very high values of α, while delaying ”Dress” and ”Coat”’s rapid deterioration in accuracy to 47% and 30% from 40% and 23%, respectively) in effect making the model-dataset combination more robust against the potential negative trade-offs data augmentation can bring. Despite this, and being similar in terms of computational requirements, its best performance achieved in practice was marginally lower than that of ResNet50 . While it does not outright disagree with Balestriero, Bottou, and LeCun (2022)’s model-agnostic proposition, the implications of this result are such that architectures for computer vision tasks can and should be chosen not just by best overall test set performance, but also based on other merits, such as robustness to bias and label loss resulting from aggressive data augmentations, especially in cases where such augmentations are expected to be applied en masse or without intensive monitoring, such as in MLOps systems with regular retraining. While the above experiment does serve to illustrate the potential merit of applying alternative architectures in the context of regulating DA-induced class-specific bias, broader research is likely warranted. A natural direction of such an extension may be to continue with applying different families and instances of image-classifying neural network architectures to the task. One option is to expand the research utilizing SWIN Transformer by testing it on a further plurality of datasets with a wider variety of patch sizes, as the concepts of regulating the granularity with which the model learns to see details in images and the random cropping DA are conceptually adjacent. Following this, exploring the same problem with different Vision Transformers, such as the more lightweight MobileViT (Mehta and Rastegari 2021) or Google’s family of large ViT models (Zhai et al. 2022) is another step in that direction. Another possible direction to explore the model-specific degree of the phenomenon is to investigate how it pertains to Capsule Networks, first described in Sabour, Frosst, and Hinton (2017), as the architecture, once again, vastly differs from both Residual CNNs and Vision Transformers, and is generally considered to be less susceptible to variance from image transformations. This family of models is also very demanding to train, and would require a greater investment of resources or smaller scope than what our work had. As CapsNets are, at the time of writing, a very active area of research (Kwabena Patrick et al. 2022), we recommend this as a very valuable line of inquiry. This paper is available on arxiv under CC BY 4.0 DEED license. Authors: (1) Athanasios Angelakis, Amsterdam University Medical Center, University of Amsterdam - Data Science Center, Amsterdam Public Health Research Institute, Amsterdam, Netherlands (2) Andrey Rass, Den Haag, Netherlands. Authors: Authors: (1) Athanasios Angelakis, Amsterdam University Medical Center, University of Amsterdam - Data Science Center, Amsterdam Public Health Research Institute, Amsterdam, Netherlands (2) Andrey Rass, Den Haag, Netherlands. Table of Links Abstract and 1 Introduction 2 The Effect Of Data Augmentation-Induced Class-Specific Bias Is Influenced By Data, Regularization and Architecture 2.1 Data Augmentation Robustness Scouting 2.2 The Specifics Of Data Affect Augmentation-Induced Bias 2.3 Adding Random Horizontal Flipping Contributes To Augmentation-Induced Bias 2.4 Alternative Architectures Have Variable Effect On Augmentation-Induced Bias 3 Conclusion and Limitations, and References Appendices A-L Abstract and 1 Introduction Abstract and 1 Introduction 2 The Effect Of Data Augmentation-Induced Class-Specific Bias Is Influenced By Data, Regularization and Architecture 2 The Effect Of Data Augmentation-Induced Class-Specific Bias Is Influenced By Data, Regularization and Architecture 2.1 Data Augmentation Robustness Scouting 2.1 Data Augmentation Robustness Scouting 2.2 The Specifics Of Data Affect Augmentation-Induced Bias 2.2 The Specifics Of Data Affect Augmentation-Induced Bias 2.3 Adding Random Horizontal Flipping Contributes To Augmentation-Induced Bias 2.3 Adding Random Horizontal Flipping Contributes To Augmentation-Induced Bias 2.4 Alternative Architectures Have Variable Effect On Augmentation-Induced Bias 2.4 Alternative Architectures Have Variable Effect On Augmentation-Induced Bias 3 Conclusion and Limitations, and References 3 Conclusion and Limitations, and References Appendices A-L Appendices A-L 2.4 Alternative Architectures Have Variable Effect On Augmentation-Induced Bias Having carried out a data-centric analysis of DA-induced class-specific bias, we dedicated the last series of experiments (see Figure 4) to a more model-centric approach to the phenomenon. Balestriero, Bottou, and LeCun (2022) illustrates that different architectures tend to agree on the label-preserving regimes for DA(α) - in other words, that swapping ResNet50 for a different model in the above experiments would not yield a notable difference in resulting class-specific and overall performance dynamics. To validate and expand on this claim, we recreated the experiment from Section 2.2 on the Fashion-MNIST dataset using another residual CNN, EfficientNetV2S, as well as a Vision Transformer in SWIN-Transformer. The ”small” EfficientNetV2S (Tan and Le 2021) architecture was selected due to being a modern and time-efficient implementation of the EfficientNet family of models. The model was downloaded, tuned and optimized using a procedure matching previous sections. The EfficientNetV2S runs of this section’s experiments seemed to further validate the original assumption that the phenomenon appears to be modelagnostic (though data-specific), at least for the residual family of CNNs, as the different complexity and size of the architecture did have an effect on the speed of class-specific bias occurring as the random crop α was increased, but the general dynamics of how performance evolved were preserved. For example, as can be seen in Figures 4, deterioration in per-class accuracy begins to occur rapidly for ”Dress” at an α value of 30% for EfficientNetV2S, in contrast to 40% for ResNet50. For a full summary of the diverse α at which each class and mean test set performance reach their peak, see Appendix I. With the previous section confirming the model-agnostic nature of the phenomenon as it pertains to residual CNNs, the final trial followed up by evaluating the performance of a SWIN Transformer, as the architecture is composed in a fundamentally different way, and can be adjusted to perceive images with a finer level of granularity via the patch size parameter. The model was prepared similarly to previous sections. As visible in Figure 4 and Appendix L, while the use of a Vision Transformer model did not entirely avert the overall class-specific bias trend as random cropping was applied more aggressively, it severely delayed its heavier impacts, and even noticeably changed the behavior of certain classes (for example, maintaining the stability of the top performers in ”Trouser” and ”Sandal” even for very high values of α, while delaying ”Dress” and ”Coat”’s rapid deterioration in accuracy to 47% and 30% from 40% and 23%, respectively) in effect making the model-dataset combination more robust against the potential negative trade-offs data augmentation can bring. Despite this, and being similar in terms of computational requirements, its best performance achieved in practice was marginally lower than that of ResNet50 . While it does not outright disagree with Balestriero, Bottou, and LeCun (2022)’s model-agnostic proposition, the implications of this result are such that architectures for computer vision tasks can and should be chosen not just by best overall test set performance, but also based on other merits, such as robustness to bias and label loss resulting from aggressive data augmentations, especially in cases where such augmentations are expected to be applied en masse or without intensive monitoring, such as in MLOps systems with regular retraining. While the above experiment does serve to illustrate the potential merit of applying alternative architectures in the context of regulating DA-induced class-specific bias, broader research is likely warranted. A natural direction of such an extension may be to continue with applying different families and instances of image-classifying neural network architectures to the task. One option is to expand the research utilizing SWIN Transformer by testing it on a further plurality of datasets with a wider variety of patch sizes, as the concepts of regulating the granularity with which the model learns to see details in images and the random cropping DA are conceptually adjacent. Following this, exploring the same problem with different Vision Transformers, such as the more lightweight MobileViT (Mehta and Rastegari 2021) or Google’s family of large ViT models (Zhai et al. 2022) is another step in that direction. Another possible direction to explore the model-specific degree of the phenomenon is to investigate how it pertains to Capsule Networks, first described in Sabour, Frosst, and Hinton (2017), as the architecture, once again, vastly differs from both Residual CNNs and Vision Transformers, and is generally considered to be less susceptible to variance from image transformations. This family of models is also very demanding to train, and would require a greater investment of resources or smaller scope than what our work had. As CapsNets are, at the time of writing, a very active area of research (Kwabena Patrick et al. 2022), we recommend this as a very valuable line of inquiry. This paper is available on arxiv under CC BY 4.0 DEED license. This paper is available on arxiv under CC BY 4.0 DEED license. available on arxiv

Alternative Architectures Have Variable Effect On Augmentation-Induced Bias 

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