I’m in my 40s, work a low-risk job, live in a low-risk area, have 12+ years no claims, a clean license. Ignoring the points at which everyone’s insurance gets cheaper as they age, my premiums has gone up constantly. Coincidentally, so have insurance underwriter’s profits. I definitely could have got cheaper insurance if I’d have compromised on cover, or gone with a worse-rated provider, but that’s not my point. The base cost of insurance is set by the underwriters, and that has increased year on year for just about everyone

Are they hell. Has anyone, ever, known their insurance premium to go down? It’s a racket. If they 20 limits are cutting costs, that cost is being turned into further profit, not savings for the customer

Serbia has joined the chat…

On fire, AND buried in snow. Nice

Brutalism is mint in the first place, but it really, really gets better with age and foliage. The more moss and lichen and ivy, the better it looks

At the moment, I’m beginning to think that the best we can do is both, it might be to late for an either/or situation

Perfect, that’s not a platform I’ve run into before, but same deal.

I think that any photo-sharing platform is good, be it Flicker or pixelfed or whatever, if it allows people to see your work without signing up (like Instagram does). I also find that Ficker has a pretty good community and a decent amount of users. It’s worth looking at, unless there’s anywhere else that your photos are collated anywhere else online for me to see. From what I’ve seen from your profile here, it’s definitely worth you having a place to let people browse your work

That’s a stunning photo. Do you have a Flickr account?

That’s a great photo, do you have a Flickr account?

Same, to be fair

Mario Shart

I started watching last time he got in with a kind of amused schadenfreude, mistakenly thinking that while he was obviously going to be a disaster for the US, he might be less terrible than Hillary for the rest of us.

When he was replaced by a grown-up, I breathed a sigh of relief - I’d not realised how mentally taxing it is to have someone so quixotic and deranged in that position, even from a continent away. This time he’s not even in office yet, and I’m already over the tension that his deranged little outbursts instil in me. Seeing his (and Elon’s) attention focus more over here is unnerving too, neither of them should be making decisions that affect anyone else, let alone in another country!

I did not have that on my bingo card

Ha ha, no, of course not.

Submerged in the neighbour’s wife/daughter/pool boy/donkey (delete as appropriate)?

Thanks for the suggestion, I think I’m not going to get anywhere near a genuine thrower that’s pocket-sized, by the look of the business-end of that lad.

The Coast A5 is a really slim pencil touch, it’ll sit next to my pocket knife in a jeans pocket or jacket breast pocket, I reckon I’ll be stuck with my little round circle of light of I want to keep the form factor!

https://www.ebay.co.uk/itm/387393057338

Space capybara

The Water Knife by Paolo Baccigalupi is pretty on the nose for the near future of the southern US

And it’s also fantastic