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· Market Coverage
· Market number available for – 2024-2031
· Base year- 2024
· Forecast period- 2024-2031
· Segment Covered- By Source, By Product Type, By Applications
· Competitive Landscape- Archer Daniels Midland Co., Ingredion Inc., Kerry Group Plc, Cargill
· Inc., and others
Market Segmentation
Germany Passenger Car Airbag Market by Type
o Front Airbag
o Side Airbag
o Curtain Airbag
o Knee Airbag
Germany Passenger Car Airbag Market by Vehicle Type
o Hatchback
o Sedan
o SUV
Company Profiles
o Autoliv Inc.
o Continental AG
o Daicel Corp.
o DENSO Corp.
o Hyundai Mobis Co., Ltd.
o Key Safety Systems, Inc.
o NXP Semiconductors N.V.
o Robert Bosch GmbH
o Toyoda Gosei Co., Ltd.
o TRW Automotive Holdings Corp.
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Hi there, I'm new to the sub so please forgive me if this question has been answered a thousand times. I'm a new grad DPT with just under 175k of debt from PT school. I put myself through my bachelors and masters with no debt, but PT school is notoriously expensive with a fairly low salary ceiling (all things considered). I now have to enroll in a payment plan and have heard great things about SAVE, but didn't realize I was going to have to consolidate all of my Stafford loans into the one giant loan with 6% interest.
From what I understand, the biggest disadvantage to this, under the assumption that the majority of the debt will be forgiven at the end of the repayment period, is that if your income is too high then your payments might end up higher than the standard plan. How high is "too high" of a salary? I'm going to assume that my estimated salary range of 90-120k before retirement/health contributions is not considered in that tier, but what would be? Based on the online calculators, the SAVE plan would by far be the lowest payment as of right now, I'm just curious what other factors might need to be considered before consolidating and any other possible consequences/disadvantages.

Understanding the Costs of Solar Panels in Sydney: A Comprehensive Guide

Introduction:
Solar energy has emerged as a promising solution to both environmental concerns and rising energy costs. In Sydney, Australia, where abundant sunshine is a natural resource, solar panels have gained significant traction as a means to harness renewable energy and reduce reliance on traditional electricity sources. However, for many individuals and businesses considering the switch to solar power, understanding the costs involved is paramount. In this article, we delve into the various factors influencing the cost of solar panels in Sydney
, providing valuable insights for those looking to make an informed decision.
1. The Basics of Solar Panel Costs:
Solar panel costs can vary widely depending on several factors, including the type and quality of panels, installation fees, government incentives, and ongoing maintenance expenses. In Sydney, the average cost of installing a solar panel system typically ranges from AUD $3,000 to $10,000 per kilowatt (kW) of installed capacity. This cost can be further influenced by factors such as:

• Panel Type: There are different types of solar panels available, including monocrystalline, polycrystalline, and thin-film. Monocrystalline panels are often more efficient but come at a higher cost compared to polycrystalline ones.
  
• System Size: The size of the solar panel system required depends on the energy needs of the household or business. Larger systems with higher capacities will naturally incur higher costs.
  
• Installation Complexity: Factors such as roof type, shading, and the need for additional equipment like inverters and batteries can affect installation costs.
  

2. Government Incentives and Rebates:
In Australia, various government incentives and rebates are available to encourage the adoption of solar energy. One of the most significant initiatives is the Small-scale Renewable Energy Scheme (SRES), which provides financial incentives in the form of Small-scale Technology Certificates (STCs) for eligible solar panel installations. These certificates can significantly reduce the upfront cost of installing solar panels, making them more accessible to homeowners and businesses.
Additionally, some state-specific rebates and feed-in tariff schemes may further offset the cost of solar panel installation in Sydney. It's essential for prospective solar adopters to research and take advantage of these incentives to maximize savings.
3. Installation Costs and Considerations:
The cost of installing solar panels in Sydney typically includes not only the price of the panels themselves but also installation fees charged by solar companies. When selecting an installer, it's crucial to consider factors such as reputation, experience, warranties offered, and customer reviews.
Additionally, factors like roof orientation, tilt angle, and shading can impact the efficiency of a solar panel system. A professional installer will assess these factors during the site visit and design a system optimized for maximum energy production.
4. Maintenance and Operational Costs:
While solar panels require minimal maintenance compared to traditional energy systems, there are still some operational costs to consider. These may include occasional cleaning to remove dust and debris, inverter maintenance or replacement, and monitoring system performance to ensure optimal efficiency.
Investing in high-quality panels and components can help minimize long-term maintenance costs and ensure the durability and reliability of the solar energy system.
5. Return on Investment (ROI) and Long-term Savings:
Despite the initial investment required, installing solar panels in Sydney can offer substantial long-term savings on electricity bills. With rising electricity prices and decreasing solar panel costs, the payback period for solar installations has shortened significantly in recent years.
Calculating the ROI of a solar panel system involves considering factors such as upfront costs, ongoing savings on electricity bills, government incentives, and the expected lifespan of the system. In many cases, solar panel installations can provide an attractive ROI and continue to generate savings for decades after the initial investment is recouped.
Conclusion:
Solar panels offer a sustainable and cost-effective solution for generating electricity in Sydney. By understanding the various factors influencing solar panel costs, individuals and businesses can make informed decisions about whether solar energy is right for them. With government incentives, declining installation costs, and long-term savings on electricity bills, solar power presents a compelling opportunity to reduce carbon emissions, lower energy costs, and contribute to a more sustainable future in Sydney and beyond.

(Not sure if this is the right subreddit. Pls point me to the right one in case this is not. Thanks!)
Currently in the planning stages of getting, what I think is, a minor home renovation project done on our home in the province. I'd like to turn the backyard into a closed, dirty kitchen/laundry area with tiles, grills, and roof. There is already a sink at the back, but electrical works need to be done (for lights, outlets).
Since it's going to be an area at the back of the house, I don't think I need to invest so much on the looks, but I am still very much willing to spend for a quality job (with quality materials) done.
My parents are telling me na "magpa karpintero ka na lang kay ganito ganyan", which seems to be common in rural areas, but I am very much aware of the risks of simply passing the job to one or two random folks without properly vetting them.
My questions so far:

1. Should I consult an architect, engineer and/or general contractor for what I assume is a small project? I'm leaning towards yes, which leads me to the next question...
   
2. Would contractor firms even be willing to take on a renovation project of this size?
   
3. If not, would it be simply more practical to just find a karpintero to take on the project for us? And agree on a fixed (pakyawan) price for labor and materials?
   
4. I did some rough calculations on costing based on the floor area to be taken up by the project. Is calculating overall project cost based on price per sqm a good baseline for a renovation project such as this? I am aware costs can easily double or triple based on a lot of factors, just planning our budget ahead.
   

For Above Age 35 yrs

• Paid-up home
• Emergency fund of 4 years living expense
• Private Health Insurance 50L + (Consider your current health status here)
• One time expense of kids education or marriage as separate corpus
• FIRE Corpus (considering all of above) = Monthly Expense * 12 * (90 - Current age) * 0.8
• Term Insurance: FIRE Corpus - Current Corpus

Example: If monthly expense is 1.2L - FIRE Corpus = 5.2 Crore (For a 45 years old)
0.8 is the balancing factor since one wont be spending same after age 65+
Real rate of return is assumed to be zero
Highly encourage to have a bottoms-up calculation using the excel posted in this group (also a tutorial is posted as well)

🚀 Unlock Exclusive Insights on AMD: Get deeper analysis and expert views on AMD's latest market trends before you read on. Click Here to Dive In 🌟
Technical Analysis
Advanced Micro Devices, Inc. (AMD) closed the previous trading session at $150.56, observing a slight downturn of 0.90%. The current trading price positions AMD below its 50-day moving average of $172.70 but above the 200-day moving average of $138.92. The relative strength index (RSI) stands at 48, indicating a neutral momentum without distinct overbought or oversold conditions. The Moving Average Convergence Divergence (MACD) presents at -6.95, suggesting bearish undercurrents as the indicator resides below the signal line. The Average True Range (ATR) of 4.01 points toward a moderate level of recent daily volatility.
Considering support and resistance levels, AMD demonstrates key support at $146.64 and faces substantial resistance at $165.83. The stop-loss has been technically set at $143.04, suggesting a significant room provided for downside protection.
Fundamental Analysis
AMD's market capitalization stands robust at $243.35 billion. However, the stock exhibits a high Price-to-Earnings (P/E) ratio of 221.41, reflective of its heightened valuation compared to earnings. Despite the high valuation, the earnings per share (EPS) is currently $0.68.
Having a broad target price range between $65 to $270, with a consensus towards $160.66, analysts exhibit varied expectations. A 'Buy' consensus predominates based on analyst ratings, indicating optimism about the company's long-term growth trajectory.
Recent news paints a comprehensive picture of the competitive landscape within the semiconductor industry where AMD is positioned favorably against rivals like Intel and in the vibrant sector of Artificial Intelligence (AI) technologies. While bullish on the AI capabilities, concerns are voiced over increasing competition and high valuations.
Intrinsic Value and Long-term Investment Potential
AMD's intrinsic value, calculated via DCF, stands at $64.12, substantially lower than its current market price, suggesting overvaluation compared to its future cash flow potential. Long-term potential hinges significantly on AMD's strategic movements within the AI sector and its ability to maintain competitive edge amidst stringent market competition and regulatory environments.
Stock Performance Predictions
For the next trading day, May 14, 2024, AMD’s stock performance may continue to experience short-term pressure given the technical indicators and recent slight downward movement. Over the upcoming week, market reactions to industry news, and resultant sentiment will significantly impact AMD's performance. The high volatility in tech stocks and sector-specific developments will be crucial factors.
Overall Evaluation
Based on a detailed analysis, AMD is currently categorized as a 'Hold'. While long-term growth prospects appear promising particularly with AMD's stake in the burgeoning AI market, the current stock price reflects a significant premium. The high P/E ratio and a DCF valuation indicating overpricing warrant cautious engagement with the stock until more favorable pricing or substantial growth in financials are observed.
Conclusively, potential investors should monitor AMD’s adjustments to market dynamics and forthcomin [...]
👉 Dive deeper into our analysis and predictions! CLICK HERE NOW

Introduction

Hello and welcome to another Minion guide! We have seen some very big changes to our boney boys and I wanted to try and help Necromancers new and old have a deeper understanding moving into Season 4. As a forewarning, I would like to state that I am not an absolute authority on all things Minions nor do I know beyond a reasonable doubt that anything posted in this guide is 100% accurate. However, I will try to be as concise and forthcoming as possible with reliable sources and materials.

Minion Changes

• Skirmisher Upgrade 2: No cooldown on the empowered critical strike or damage.
  • Still not worth using over Reapers.
• Reaper Upgrade 1: Special attacks now reduce an active cooldown by 3 seconds.
• Defenders Upgrade 1: Every 6 seconds your Skeletal Defenders taunt nearby enemies.
  • This made thorns warriors viable!
• Defenders Upgrade 2: Now reduce damage by 99%
  • There isn't really a use case for this unless pits is smoking our army and it shouldn't be.
• Shadow Mages: Attacks now Pierce!
  • Something I have wanted for a long time.
• Shadow Mage Upgrade 1: 3%[x] Universal damage multiplier for every Shadow Mage active.
  • Up to 18%[x] with all 6 total Shadow Mages.
• Shadow Mage Upgrade 2: Now fires on every 3rd attack instead of 4th.
  • Amazing dps increase for a mage focused build.
• Bone Mage Upgrade 1: Bone Mages now cast Bone Splinters or Bone Spear every 6th time they attack.
  • Coupled with extra attack temper and extra projectiles tempers this isn't a bad option and opens up some interesting build paths.
  • Abilities cast by your Bone Mages act as if they were cast by the player.
  • Can trigger Lucky Hit Chance, Deathless Visage, Overpower, etc.
• Blood Golem Upgrade 1: 15% Damage Reduction > 30% Damage Reduction.
  • A massive singular source of DR in a now DR limited world.
• Bone Golem Upgrade 1: Now spawns 5 corpses when using the active.
  • Great synergy for builds that need to activate Flesh Eater.
• Bone Golem Upgrade 2: Every 3 seconds upon taking damage your Bone Golem deals 123.2% x [Weapon Damage] and applies vulnerable to surrounding enemies for 4 seconds.
  • Great if you are vulnerable starved as a thorns necromancer. Not much purpose or use outside of this as Iron Golem is better.
• Iron Golem Upgrade 1: Casts a shockwave dealing 154% x [Weapon Damage] after every 2 attacks.
  • The best Golem choice unless the Blood Golem multiplier is needed to one shot bosses after potential nerfs.
• Iron Golem Upgrade 2: Pulled enemies are now also vulnerable.

Minion Skill Damage

Skeletal Warrior

• Skirmisher: 18.2% "30%[x]"
• Defender: 18.2%
• Reaper: 50.4%
• Warrior Count: 5 - 8

Skeletal Mage

• Shadow: 51.6%
• Cold: 51.6%
• Bone: 78%
• Mage Count: 3 - 6

Golem

• Bone: 76.7% (Passive 123.2%)
• Blood: 76.7% (Active: 140%)
• Iron: 76.7% (Active: 200%) [Upgrade 1: 154%]
• Golem Count: 1

Attack Speed

Cap 1

• Andariel's Visage: 15%[+]
• Aspect of Moonrise: 4-20%[+]
• Assault Elixir: 4-20%[+]
• Artillery Shrine: 100%[+]
• Cult Leader "Puppeteer + Magic Nodes": 10%[+]
• Paragon: 5%[+] "Flesh Eater - Culler"
• Attack Speed (Gear): 11-81%[+] "Lowest to Highest roll from one item"
• Minion Attack Speed (Gear): 20%[+] "Possibly Higher with Greater Affix"
• Kalan's Edict: 3%[+] "Per active minion up to 45%[+]"
• Hulking Monstrosity Paragon: 25%[+]
• Bone Golem Sacrifice: 10%[+]

Cap 2

• Rapid Aspect: 15-30%[+] "Basic Only - Does not help minions."
• Aspect of Rathma's Chosen: 50-100%[+]
• Aspect of Frenzied Dead: 30-45%[+]
• Enhanced Reap: 30%[+]
• Accelerating Aspect: 10-25%[+]

Caps Explained
Attack speed has two seperate caps as of testing in season 3. Cap 1 can go up to 100% and Cap 2 can go up to 100%. This means a player can reach a technical total attack speed limit of 200% hard cap. While we do not as of yet know the attacks per second break points from attack speed we are working to decipher its mysteries. Involving minions, what does this mean for you? Cult Leader is supposed to cap at 100% attack speed or a damage bonus of 150%[x]. During the PTR this was bugged and surpassing the cap allowed for additional damage gains. It is "as of yet" unknown if this will be fixed moving into the start of Season 4. If you are only looking to reach the max damage potential of Cult Leader, stop at 100% from either Cap or a mixture of them both. If you are trying to increase your attacks per second, take each cap to 100% for a total of 200%.

Stat Inheritance

This one is rather easy now. Minions receive 100% of the Necromancers stats! Gone are the bygone days of calculating 30% of a given stat!

Lucky Hit Chance

Minions have no Lucky Hit Chance. Any effect that they do trigger that says it is a Lucky Hit is in fact an "bug?" interaction of that skill or ability procing off of direct damage.

Aspects

Almost all Aspects on gear are working as intended with the exception of a select few. I will try to get confirmation about these and update as new information is available.

• Aspect of the Damned: Not working as of Season 3 / PTR. "Possibly fixed at season start."
• Conceited Aspect: Not working as of Season 3 / PTR. "Probably Intended, Minions don't get barriers"
• Aspect of Grasping Veins: Critical Chance working, Critical Strike Damage not working. "Possibly fixed at season start."
• Edgemaster's Aspect: Not working as of Season 3 / PTR. "Probably Intended"

Skills / Paragon / Glyphs

Some skills, paragon, and glyphs are less useful now that our Minions gain 100% of our stats. Season 4 testing is required to determine base values for Armor, Resistance, and Base Life values of each minion type. So far it is only known that each minion has its own separate base life value. "Tested by Seetod and Bactyrael hitting each other's minions for a long time." With this in mind, you may or may not need the added bonuses from the following. (See Bone Golem Note Thorns Users!)

• Skill - Death's Defense: 4-12%[+] Armor and 8-24%[+] All Resistance to Minions. "With the new Armor cap of 9230 and resistances usually being over capped, this seems worthless for us now." (See Bone Golem Note!)
• Glyph - Mage: 35%[+] All Resistance to Minions. "184%[+] Mage damage is worth it in some contexts over another multiplier."
• Glyph - Warrior: 30%[+] Armor to Minions. "Basically never worth taking in any context" (See Bone Golem Note!)
• Paragon Nodes- Minion Armor: Requires testing but it is assumed Minions will receive the new cap of 9230 and no long need these paragon nodes. (See Bone Golem Note!)
• Paragon Nodes - Minion All Resistance: Requires testing but it is assumed Minions will receive our Resistances at 100% value and as such be capped.

Damage, Attack Speed, Maximum Life, and Damage Reduction all seem like worthwhile investments and will most likely be required to push into higher levels of the Pit. A lot of this section is unknown territory and in an attempt to not steer you down the wrong path, I would suggest testing your own mileage from these investments. I will do my best to update this segment as new information becomes available.

Suggestions / Notes / Opinions

• Bone "Thorns from Armor" Golem: Armor increases from Death's Defense, Paragon, and Glyphs, (with the Exception of Total Armor%[+] while golem is active from Hulking Monstrosity) all seem to increase the Armor and in effect thorns that the bone golem receives. Further testing is required when Season 4 launches to confirm this.
• Minions Inherit Thorns: Whether we are taking the generic, warriors, mages, or golem temper from the Thorns Army temper manual. It is assumed but not yet confirmed that this is an additive bucket that increases the total thorns from the player to Minion/s. I did not get the manual during the PTR to test so I will update this section if needed when S4 begins. Thorns the Golem gains from Armor should be separate from the value this bonus gives.
• Kalan's Edict: As you can see from the Attack Speed segment, It is almost never in our best interest to take this Keystone. Blighted Aspect along with Gloom, Terror, Shadowblight, and Apothic Aspect are all net damage boons to almost every Minion build. I personally believe it should be changed to provide unique functionality such as a Mendeln type effect or act as an actual keystone instead of a stat stick. My Suggestion "easy solution" to the developers would be to make this give 7%[+] Attack Speed per active minion for a total of 105%[+] at 15 minions which is the most we are able to have out at one time. This would allow us to ignore attack speed rolls on gear and max out Cap 1 at 100% from our army.
• Aspect of Frenzied Dead: Great aspect, super nice being able to buff up Cap 2. Please make it 50%[+] instead of 45%[+]. You have made it so we can't reach the 100% cap 2 breakpoint by 10% while using a two hander and stop us from reaching 100% by putting this aspect on an amulet for 70%[+] and Enhanced Reap for the remaining 30%[+]. Overall this is really a quality of life change I would like to see addressed. Outside of this we are required to fill that remaining 2-10%[+] with Accelerating Aspect or Rathma's Chosen. Which is a serious over investment in stats.
• Unyielding Commander's Aspect: It is getting harder and harder to justify taking AotD or this aspect. Minions are incredibly resilient with 100% of our stats and there are plenty of instances where bone storm provides more value. I think it isn't as much a fault with this Aspect as with Army of the Dead being the worst ultimate for our class and one of the worst in the game.
• Skirmishers: They don't really have a place in a build path for us as of right now. Perhaps a crit variant will come along that competes with reapers far superior skill damage and utility? They are currently good to stack Kalan's or would be good in a Shadowblight Minion hybrid build if reapers didn't trigger more procs with their AOE and special attacks. My suggestion to the developers is to simply increase their base skill damage to either be equal to Reapers at 50% or greater than this. They should also have access to Area of Effect damage. Minions can not focus fire a target, so it feels redundant to willing choose a single target only variation when AoE choices exist.
• Bone Mages: The novelty of them killing themselves has been lost on me after a beta and 3 seasons. And because Bone Spear / Splinters deals substantially less damage than Shadow Mages, they are an inferior option. We will have to see how the meta evolves over time. Currently I wish they would remove the Emo factor.
• Ring of Mendeln: There just isn't a feasible way to scale this super well. With mages and even warriors able to hit higher numbers, it will take a serious nerf to bring this back up as a viable option.
• Deathspeaker's Pendant: Blood in general is in a bad place this season. I probably wouldn't use this but it is one of our most creative uniques. Haven't seen the damage potential but I think other amulet options or stats on an amulet will replace the want to run this. I think this should be turned into a unique focus so that it can pair well with running doombringer. And we won't be fighting between banished lord's and this.
• Mage Glyph: The Mage Glyph is now not worth taking over any other multiplier with additive damage attached such as the Amplify or Control Glyph. Previously it was one of the only ways to get additive damage for our mages at 100% value besides vulnerable damage. Now that we have 100% scaling, it is an inferior option. Once again I suggest taking the Amplify or Control Glyph for Additive Damage%[+] and a 10%[x] multiplier over this glyph. I would also like to note that minions are now resistance capped at the same time we are, we do not need the 35%[+] Minion All Resistance from the Glyph. My suggestion to the development team would be to change the bonus to a multiplier such as was done with the Golem Glyph.
• Warrior Glyph: Just like the Mage Glyph the Warrior Glyph is in the same boat of providing too little stats for too little pay off in comparison to the Essence or Exploit glyph. And just as before we no longer need the 30%[+] Minion Armor. My suggestion to the development team would be to change the bonus to a multiplier such as was done with the Golem Glyph.

Builds

Minion Leveling (1 - 100) - Seetod

• https://maxroll.gg/d4/plannema6ms0xb#1

Shadow Summoner (Endgame) - Seetod

• https://maxroll.gg/d4/plannet46pg0wv#5

Thorn Golem (Endgame) - Bactyrael

• https://maxroll.gg/d4/planne89930wc4#1
• After each Taunt, use Corpse Tendril and Corpse Explosion to enable multipliers.

Credits / Special Thanks

• GMS Seetod: Skill Damage, Aspects, Attack Speed Caps, Bug Finding, Putting up with me.
• GMS Team: A group of awesome players who are helping make Diablo 4 as great of an ARPG as we want it to become!
• MacroBioBoi: Shout out to our Boi for all of his hard work and communication with the development team. A lot of what we do would mean nothing without a voice and awareness. Thank you!
• Sanctuary Discord: A lot of awesome people who challenge us to find and improve our metrics of testing and approach issues from a new light.
• Bactyrael: Hey that's me! Thank you for reading this far.

Conclusion

If you would like to have your build added to the Builds section or have a specific build you want to see, please DM me. If you have any questions regarding Minions, I will try to do my best to address it. Happy hunting and good luck in Season 4!

Hello everyone, I rarely post here since I usually agree with the general consensus for weight loss and advice shared in this sub, and feel like I don’t usually have anything additional to input, but idk why I just want to share my progress now at the 80 pound mark. I started my weight loss journey back in August when I quit drinking alcohol. I was a daily drinker since I was 23 or so, and turned 32 in August, I felt like alcohol was controlled my daily life and my habits. Plus I loved craft beer and that whole lifestyle was one of the key factors in me ballooning up to 362 lbs. I’m a 6’5” male, and I started to look like a sumo wrestler. I have two little kids and a beautiful wife and I just felt like I was dragging them down with my weight. Doing activities was really hard, the stress on my body and cardiovascular system just really limited what I could do with them. I said enough was enough. In my mind I was like “I’m only 32, I still have some of the best years of my life left to be at my physical peak and prime, yet here I am looking like I need a scooter to get around Disneyland.” So I quit drinking started back at my local big box gym, lifting weights mostly and occasionally doing cardio. I downloaded my fitness pal, calculated my tdee and bought a new scale. I was usually in a 1000 calorie deficit while prioritizing protein but not limiting carbs or any food groups. During holidays, eating out, and other events I’d still track but just estimated my calories for the foods using my best guess. I lost the first half of my weight in probably the first couple months, but it’s slowed a bit, which is totally fine. I haven’t really adjusted my calories because as long as I’m still losing, I don’t see the need. My goal is to eventually get to the 250s and then maybe even 230s, but I’m in no hurry. I love my new body, everything is better in a smaller size. I can walk around stores without feeling a sense of dread if I see stairs or other physically demanding obstacles. I look good in pictures again, and my wife is very happy in bed if you know what I mean. All in all, I feel like I lost the weight in the most sustainable way compared to other times in my life. Not eliminating food groups and tracking calories with a food scale is like a cheat code, I rarely feel hungry or like I’m being restricted. CICO really is all that it boils down to!

I get about 50-80K (depending on stock performance) in RSUs from my company every year. I’ve always pulled the money pretty quickly and either put it in savings or into a brokerage. This bit me in the ass in January when the stock jumped $15/share for the first time in years, but that generally hasn’t been the case. I have 3 payouts coming in June that should hopefully amount to $30K if the company can keep its shit together (debatable) and I want to just put it into my VFIAX mutual fund. However, what factors do you all use to decide whether it’s worth it to withdraw your RSU or keep it in? Is there a calculation or stock performance history I should think about?

9-minute read.

France welcomes the latest round of negotiations between foreign ministers of Armenia and Azerbaijan in Kazakhstan

FM Mirzoyan said the negotiations in Kazakhstan were held in a constructive environment and referred to the statement made after the meeting.
PARIS: France stresses the importance of both sides confirming their commitment to the Almaty Protocol of 1991 and to mutual recognition of each other’s territorial integrity as the core of this process, following the quadripartite meeting in Prague on 7 October 2022.
France calls to continue the delimitation of the border on the basis of the principles agreed in the declaration of April 19, 2024, and as an extension of the first demarcation work carried out on the ground. At the same time, it calls for continuing discussions with a view to signing a peace treaty between the two countries.
France welcomes the initiative of the Kazakh authorities to facilitate the holding of these talks.
France continues to work together with its partners to establish just and solid peace in the South Caucasus in accordance with international law. //
source, source, source, source,

OSCE: Reaching stable and comprehensive peace between Armenia and Azerbaijan remains a priority for us

OSCE Chair-in-Office Ian Borg visited Armenia on Monday.
BORG: The only way to ensure comprehensive and stable peace is through diplomacy. The steps made towards border delimitation between Armenia and Azerbaijan are the actions needed to reach peace. //
Pashinyan and Borg discussed the AM-OSCE cooperation and the peace talks.
BORG: The OSCE is committed to supporting stable peace, solving all conflicts in the OSCE area, and applying the organization’s mandate to ensure regional peace and stability. //
source, source,

opposition activists detained and released after briefly shutting down several streets in Yerevan

Last week the protest organizers, led by Archbishop Bagrat and MPs representing pro-Russian parties, called for strikes and road closures on Monday. They demand PM Pashinyan's resignation. The opposition parties have not yet disclosed when they plan to launch the impeachment process in the parliament. They likely have the minimum number of MPs to launch the impeachment but they'd still need dozens of ruling party MPs to join them for the motion to succeed, which is unlikely.
On Monday over 170 people were detained and released after blocking roads, including with the use of trash cans and hay. A red beret pushed a journalist out of his way while running up the stairs, sending him to the ground. Another journalist fainted during a clash between police and protesters. In the morning, Yandex Maps showed the traffic congestion in Yerevan at Level 5 on a scale of 1-10, a "usual workday".
In one instance, an angry driver got out of his car and pushed the trash can out of the street, while other cars proceeded to drive through the sparse group of protesters. Video.
ARF MP Garnik Danielyan, a co-organizer of the protest, engaged in a dispute with a driver. The angry driver told the MP to go "siktir", while the MP called him "chatlax". Video.
One protester suggested catching and "putting down" police officers one by one while they are alone, "because they feel good in large numbers." Video.
A psychotic incident was recorded between a protester and a bystandedriver who was presumably trying to open the road. The protester hit the man and called him "Nikol's trash". The police intervened to push the protesters out of the road.
During an encounter between a protester and one resident, the protester asked the latter if he was a Christian:
PROTESTER: Քրիստոնյա՞ ես
RESIDENT: Հա
PROTESTER: Հա ու համփ արա [suck my dick]
The resident pushes the protester, and the protester spits on him. Several people got off the buses and urged the protesters to leave or to "go protect the borders" instead. The red berets arrived within minutes and removed the trash cans and the small number of protesters from the road. video, video, video,
While the ARF has long been viewed as the voice of diaspora, other movements have emerged to challenge its dominance. The Armenian Movement of France has organized a change.org petition that calls to encourage Armenia's independence and Euro-Atlantic integration, to keep the church and state separate, and not take any destabilizing actions.
KHURSHUDYAN: They [ARF and protest organizers] are attempting to convince the diaspora to join them by influencing various organizations like the Lemkin Institute. It is strange that the Lemkin Institute released a statement accusing PM Pashinyan's Genocide statement of containing "victim blaming" only now, during these protests, several weeks after Pashinyan made that statement. It took a lot of effort for these forces to lobby and create the impression that the diaspora as a whole is on their side. //
The BEVER (Sasna Tsrer) party leaders said they are cooperating with the pro-Russian former regime parties but only on the issues of removing Pashinyan and stopping the border delimitation process.
BEVER (Ara Papyan): If Pashinyan resigns now and pro-Russian forces win the elections democratically, it will be the population's fault, not ours. // video
As you know from Sunday news digest, the pro-Russian forces and a group of ex-diplomats led by Kocharyan's Foreign Minister Vardan Oskanian, are against using the 1991 Almaty declaration as the basis for delimitation. Foreign Minister Mirzoyan was asked to comment on Monday.
MIRZOYAN: The Deputy PMs of Armenia and Azerbaijan, who are in charge of border commissions, have come to an agreement to launch the delimitation process taking into account the 1991 Almaty Declaration. This was welcomed by numerous states and international organizations. The foreign diplomats you mentioned are deserters who fled their duties while Armenia was under physical attack in 2021. I can no longer treat them seriously. That is the most civil language I can use toward them. In reality, by torpedoing the Almaty Declaration and the peace process based on Almaty, these ex-diplomats continue to torpedo the sovereignty, statehood, and territorial integrity of Armenia. In the best-case scenario, they do this without understanding, and in the worst-case scenario, they are following the orders of a foreign state. I don't have further comments. //
Archbishop Bagrat Galstanyan said they will not hold daily meetings at Republic Square anymore, and that smaller gatherings will be held near the St. Anna church every evening to wrap up the day and discuss future plans. Yesterday Arman Babajanyan revealed a meeting between church officials. On Monday, Archbishop Galstanyan confirmed that he indeed met Catholicos on Sunday. Galstanyan was asked whether he plans to "transfer" the "leadership" of the movement to political parties. He said he is open to that idea: "Թող գան, վերցնեն, ով ցանկանում է:"
source, source, source, source, source, source, source, source, source, source, source, source, source,

Executive Vice President of the European Commission for Economic Affairs, the EU Trade Commissioner, will visit Armenia this week

Valdis Dombrovskis will meet Armenian and EBRD officials and take part in an annual meeting of the EBRD Board of Governors.
source, source,

PM Pashinyan is in Denmark for the "Copenhagen Democracy Summit"

Nikol Pashinyan will take part in the discussion on “From the frontline: Armenia’s defense of democracy.”
source,

Armenia will bring its consumer protection legislation in line with European standards

The head of Armenia's Competition Protection Commission visited Poland to participate in ICPEN (International Consumer Protection and Enforcement Network).
They spoke about unfair business practices and how to combat them, online taxi service regulations, online casinos, discounting policies used by businesses, etc.
GEVORGYAN: Armenia is going through an important phase in terms of protecting the interests of consumers. Discussions are underway to align Armenia's consumer protection legislation with EU standards. It is necessary to use digital technologies and train skilled experts in this field.
source,

Russia begins withdrawing border agents near the border village Nerkin Hand: residents

The villagers noticed that the Russian soldiers were no longer observing the traffic from the observation post and that they were packing some of their stuff.
source, source,

anti-corruption: Patrol Police officer is charged with accepting a bribe from a driver

INTERIOR MINISTRY: In early March, two officers pulled over an Indian driver on Kievyan St. One of the officers demanded a ֏20,000 bribe to ignore the fact that the vehicle didn't pass a tech inspection. They negotiated it down to ֏7,000. The officer was charged with felony bribery. He confessed. The case is in court. //
source,

Yerevan Mayor Avinyan had a lightbulb moment

The city has purchased 6,000 LED lights producing 4000K white light. Mayor Avinyan instructed the department to install them only on roads and to purchase weaker 3000K bulbs for condo backyards in order not to disrupt sleep.
Last month the city replaced 8.6 kilometers of cables. The Mother Armenia statue and the Opera building will have new գեղարվեստական lighting.
source, source, video,

Yerevan implements GIS (geographic information system) to collect data from various sources and make targeted decisions based on visualized data: VIDEO

MAYOR AVINYAN: The Municipality and all the district offices are switching to a new management style with the introduction of GIS. Every department will join it, phase by phase. We are talking about digital maps which we must learn to use. This is going to significantly simplify some of the work done by departments.
OFFICIAL: This is part of the digitization strategy. This unified GIS platform will collect information from the cadastre, transport, Active Citizen app, utility services, construction, etc., and make them accessible in one place. The visual data allow us to carry out analysis and make fact-based decisions.
For example, we created a cadastre GIS by using a satellite image as the base layer, then integrated it with the cadastre database. This map shows in detail the boundaries of properties, the purpose and status of each land plot, etc.
Another example is a map of air pollution, prior records, and analytical tools.
The GIS map for the Active Citizen app allows us to see the submissions and the completed work, their locations on the map, and how well the city responds to issues reported by citizens. You can filter the issues by category. For example, you can show only the reports about illegal dumping, click on the report and see the image shared by the citizen, then click to see the status and the outcome of city's response. The tools allow you to analyze the data and the performance rate.
Another map shows the 3D image of the city with its buildings and green areas. Here we can calculate the capacity of bus stops, etc. Drones can be used to create a very detailed digital 3D copy of specific buildings.
You can click on a land plot and it'll pull up the ownership information, the permit records, etc.
Connecting two dots shows you the altitude differences and other data that you can use, for example, during the installation of irrigation pipes.
This is less than 1% of its potential. We plan to train employees next week.
MAYOR AVINYAN: We should make some of this data public, like the air quality map or certain maps that did not require financial resources to create [քձիբ խոզ]. This is a revolutionary change in the municipality. We need to speed up the work with the use of digital tools.
video,

Yerevan begins planting hundreds of adult "high-value" trees and thousands of bushes near the new promenade/park around the Yerevanyan Lake: VIDEO

video,

Central Bank chief was invited to Parliament to discuss economy and expenditures

MP: Regarding CB's report on the efficiency of service vehicles used by state agencies. The state buildings scheduled to receive solar panels should also be equipped with EV chargers so the service vehicles can use the energy generated by the panels. I requested information from Yerevan Municipality about the service vehicle expenditures and it shows that EVs are not only cheaper because of electricity, but also because they are overall more affordable to maintain. We are talking about large savings.
CB CHIEF: Our estimates show that EVs are 2x-3x more affordable compared to combustion engine vehicles, even if we factor in all the adjacent expenses. In Yerevan, we have [state] buildings with solar panels on roofs but [connecting them to EV chargers in the parking lot] will be very difficult because these are old and sometimes "historical" buildings. They also have problems with air conditioning, plumbing, etc. At the same time, we are trying to implement this solar panel project in the newer buildings, for example, in Dilijan, where we have EV chargers for service vehicles in the parking lots.
video,

Central Bank chief spoke about the deflation in Q1

RULING MP: It is great for our residents' pockets that the prices have fallen but what is its effect on the economy and exports? What is the best inflation rate to maintain a "balance"?
CB CHIEF: During the discussions with our colleagues from IMF, regarding regional and global events, we agreed that countries develop when the inflation is low and manageable. It encourages investments. In this regard, the overall microeconomic stability and the fiscal policy of Armenia create a very good environment for this predictability. This is one of our "cards" in our relations with foreign entities.
During each CB session, we discuss several market and inflation scenarios. Under one scenario there is a risk of inflation becoming too high, while under other scenarios it could remain low. We are trying to find the most balanced option and thank God we have been able to continuously lower the [refinancing] rates, which helps the state. //
Ըստ զեկուցողիդրամավարկային քաղաքականության ծրագրում ներկայացվող սցենարների համաձայն 2024 թվականի կարճաժամկետ հորիզոնում գնաճը կպահպանվի նպատակային ցուցանիշից ցածր մակարդակում` տարեվերջին այն կկազմի 1,3%-1,5%:
video, source,

Central Bank chief spoke about the refinancing rate, the rate at which the state borrows from banks, copper prices, etc.

video,

how did the family of Ilham Aliyev's security chief obtain so many properties in the United Kingdom?

Offshore companies owned by Eyyubov’s wife and daughter spent $114 million on real estate in the United Kingdom. The family, including Eyyubov himself, also own over $46 million in properties in Dubai.

OCCRP report,

growing concerns in Abkhazia that Putin might have secretly "sold" them to Georgia as a confederation in exchange for Georgia's neutrality between West and Russia

video,

The project's purpose is to be used as a a mock spectrum analyzer so that I can review the quality of different digital stethoscopes. It plots, in real time, the audio's waveform, its FFT, the SNR, and the Total harmonic distortion. I'll be adding a start and pause button once I've gotten this to a point that I am satisfied, and ideally I'll have another button that spits out a report with the information in the plots or other info that I don't plan to plot but could prove useful.
Currently, I'm troubleshooting the FFT plot. The issue here is that when I use a test sound off of youtube of 1000Hz, the plot doesn't show a peak at 1000Hz as it should. For some reason I also seem to have a lot of noise that makes no sense, considering I am in an extremely quiet area. I tried to mitigate some of the noise on the audio waveform by using a moving average filter, which also helps with decluttering the plotted signal, however the FFT just won't cooperate.
To calculate and plot the FFT (Fast Fourier Transform) in the code, the audio data is first passed through the np.fft.fft() function from the numpy library. This function computes the one-dimensional discrete Fourier Transform. The output of this function is a complex array containing the frequency spectrum of the input audio signal.
To plot the FFT, the code then extracts the magnitude of the complex FFT result using np.abs(), which calculates the absolute value of the complex numbers. This should provide the magnitude spectrum of the audio signal.
I thought this was all that I had to do, could someone weigh in on what I may be doing wrong here? and also whether I am approaching this project in the correct way? Should there be other factors I should be looking at for audio quality?
This is my code so far: https://github.com/Skymero/SpectrumAnalyzeblob/masteSpectrumAnalyzer3.py
Here is the function where I am calculating the FFT:

def animate(i): data = stream.read(CHUNK) data_int = np.array(struct.unpack(str(2 * CHUNK) + 'B', data), dtype=np.uint8)[::2] + 127 snr = signaltonoise(data_int) signal_mean = np.mean(data_int) data_int_centered = data_int - signal_mean moving_avg_data = np.convolve(data_int_centered, np.ones(window_size) / window_size, mode='same') y_fft = fft(moving_avg_data) thd_val = thd(np.abs(y_fft)) line.set_ydata(moving_avg_data) fft_scaled = np.abs(y_fft[:CHUNK]) * 2 / (256 * CHUNK) max_index = np.argmax(fft_scaled) frequency = max_index * 44100 / CHUNK ax2.set_ylim(0, np.max(np.abs(y_fft[:CHUNK]) * 2 / (256 * CHUNK)) * 1.2) ax.set_title(f'AUDIO WAVEFORM') ax2.set_title(f'FFT - Strongest Frequency: {frequency:.2f} Hz') ax3.clear() ax4.clear() ax3.set_title(f'Signal to noise ratio: {snr:.2f} dB') ax4.set_title(f'Total Harmonic Distortion: {thd_val:.2f} dB') ax3.plot(range(len(snr_vals)), snr_vals, color='blue') ax4.plot(range(len(thd_vals)), thd_vals, color='red') return line, line_fft, ax3, ax4 

​

Hey everyone!
I got a task to create those fancy tables that show all my three-dollar personal budget, and I feel that it has some calculations in it, but it doesn’t make any sense. I know the basics, I read the theory, but I'm not sure how to factor in all my expenses and savings goals, and does it even show me something real. Any tips or resources for this finance assignment or help with budgeting would be awesome!
P.S. My nephew used codinghomeworkhelp.org for the same goal. If you have tried them too, what was your experience?

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We measure the energy content of food in calories. My understanding is that this is calculated using something like a bomb calorimeter, where you essentially burn the food and calculate how many calories of heat energy are released.
This is going to be an obvious over estimate if you want to calculate the actual number of bioavailable calories when you consume the food. Some of the food consists of fibre, some of the calories will be consumed by the gut microbiome, and some will be excreted.
Is there a measure that takes into consideration these loss factors to give a bioavailable calorie content for different foods?

Recently, I gave some advice about playing the Lannisters, and someone asked for further advice because they struggle to play Lannisters. It’s hard to do something like that in a concise package, but luckily, I like to write. I do it recreationally, and will write about subjects I'm interested in, delete the works afterward because the writing helps me put my thoughts on paper. I happen to have some such essays analyzing the Lannister army!
Mileage varies, and how you feel about some units or strategies in this game is going to depend a lot on how you feel towards reckless gambling. This is most true of the Lannisters, who revolve so much around unreliable mechanics that I earnestly think at this point that it’s part of their doctrine. It seems to me, that the idea behind the Lannisters, is that they’re broken. They’re full of abilities that don’t work, or that only work when you get lucky, or that only work if your opponent does something stupid. It’s up to you, as the person building the list, to figure out how to take those mechanics and make them function in spite of themselves. The way I see it, you can play the Lannisters as Cersei, by throwing dice at ridiculous odds that only rarely turn up in your favor, or you can play as Tywin, by making safe, calculated choices that will achieve the specific results you want.

• The Cards

Potential Fixes: Always run Tyrion, Giant of Lannister
The first problem we run into with all Lannisters is that their main card deck is bad. People will jump in and tell you that some other deck is worse. I’m not saying the Lannisters are necessarily the worst deck, but I am telling you that you could play five unique Lannister cards in a single round, and not see any results. They can all fail via random dice rolls. In my opinion, in a tactics game where a single turn makes a huge difference, in a card game where a single card changes the flow of the game, that is pretty bad. That’s not a situation you want to find yourself in if you like winning games, or even if you just like having fun.
So five cards. That’s half of your deck. That means that at the start of the game, the odds are pretty good you’re going to draw one or two cards that might not provide any benefit at all. The only thing you can do about this is get rid of them. Don’t wait for the perfect timing to play Hear Me Roar. If you keep it in your hand until you opponent is down by two ranks and you can sink in a unit with Vicious so as to maximize your odds, that card might be blocking up your hand for three to six rounds, and then your opponent might still roll boxcars. Play it, discard it, just get rid of it. You do not want those cards wasting space in your hand.
Four cards always need to go right away: A Lannister Pays His Debts, Hear Me Roar, Bribery, and Subjugation of Power. These cards all have the chance of either doing nothing, or are so weak they may as well be nothing. If they stay in your hand, they’re inflicting an opportunity cost – that is, there’s another card waiting behind Hear Me Roar to be drawn. If you keep these cards in your hand, you are preventing yourself from getting the better card, so always get rid of these cards, either by playing them, or by discarding at the end of the round. You may find some nice spots to play them – and that’s great! Bribery, in particular, can be noted as a lifesaver if Wealth has already been covered and you need to slow down a hard-hitter. However, that’s part of the trap: these cards can be good in the right circumstances, but it’s difficult to create the circumstances in which they are useful, so if those circumstances don’t exist now, you should get rid of the cards and look for better ones.
You may notice I said there were five cards that can do nothing. The fifth one is Counterplot, and its design is… elective, to seek a kindly neutral word. It’s a counter-card, which means it is useful, but they designed it so that it has a chance to fail on a dice roll of 1 or 2. You can mitigate that by holding Wealth and Crown, but that’s a tactical askance, and your opponent could play a powerful card on the first turn, so in reality you don’t have very much control over the success of this card. To be blunt, that makes Counterplot a very weak card.
People get up in arms if you say it, but it is. It’s a weak card. First, it’s reactionary, which means it only works if your opponent does something to trigger it – playing a card – which means your opponent has more control of it than you do. Second, the card can only be as valuable as the card it blocks, which means if you use it to block something lame, then Counterplot was also lame. That means you might feel compelled to hold the card until you see a very powerful card, such as Assault Orders, but if you do that, Counterplot creates an opportunity cost that isn’t caused by Assault Orders. Assault Orders is a very powerful card which so good, most players will use it in the round that they draw it, whereas you’d be holding Counterplot, blocking your own hand, for as many rounds as it takes for your opponent to draw Assault Orders. Finally, because it has a failure chance, you might wait for Assault Orders, fail your Counterplot roll, and then be hit by the enemy card anyway, which meant Counterplot weakened you by wasting space in your hand, and then didn’t do anything. That is a bad card.
So you need to play Counterplot earlier than later. You may want to use it on Assault Orders, but you have no control over that, and you can’t know when your opponent is going to draw it. You don’t want your hand to be blocked by Counterplot for multiple rounds, waiting for the ideal opportunity, and you definitely don’t want to do that and then roll a 1. Just play Counterplot on any card that would reasonably benefit your opponent. If they play Assault Orders right afterward, then c’est la vi; you cannot know what cards they’ll have, nor when they’ll play them, nor if Counterplot will even work. Just don’t hold on to Counterplot long enough that the card begins to hurt you.
The fix for this? Always play Tyrion, Giant of Lannister. It’s an attachment that lets you discard two cards and then search your deck for any specific card you’d like. In a deck like the Lannisters, where half your cards have a chance to do nothing at all (and those odds of achieving nothing are close to 50% on the Panic-related cards), you will frequently find yourself with two cards in your hand that might not do anything. Tyrion lets you discard those, and then draw a useful card that does do something. For the Lannisters, that is huge. Without Tyrion, you find yourself suffering through multiple rounds with dead hands, where none of the cards do anything, and your opponent will be pounding you with their own deck. With him, it’s not up to luck, you know your hand will contain at least one good card each round, for as long as Tyrion is still on the field.

• The Units

Having mentioned Tyrion, Giant of Lannister, it’s worth noting he only costs one point. During a casual conversation between players, one of them asked, “Why is Tyrion only one point? Counterstrategy is really good, and Battle Plan changes how they play their deck.” The response from the Lannister players was, in a nutshell, “My infantry sucks, bro.”
A lot of Lannister infantry sucks. They’re very frequently broken to start with because they’re given unreliable abilities, and to get them working, you have to attach something specific to them. Tyrion, Giant of Lannister would be amazing in a unit of Silenced Men, but he does nothing to fix the boondoggle that is the Honor Guard, so it’s hard to get Tyrion to the front lines and have the unit be functional at the same time. As a result, as good as Counterstrategy may be, you often find it stuck in something holding objectives at the back of the field.
That is the core essence of building Lannister army lists. Once you understand that your objective is to fix a broken and screwed up army, everything comes together better. You have to expect you won’t get what’s printed on the unit’s card, unless you take an attachment or specific commander who makes the unit work, and that’s what we’ll focus on in this section.
Gregor, the Mountain that Rides
Potential Fixes: NA
Starting with the cheapest units, Gregor is often taken because he’s only four points, and he can pack a surprising wallop if you’re lucky with the dice. With only three attacks, sometimes he flubs them all, sometimes he punches above average. He dies easily, he will die, but he will give your opponent plenty of reasons to want to kill him. Unfortunately, he’s not viable against Free Folk nor Night’s Watch, because siege units can instantly kill him on round one from across the board, so if you play competitively, make sure he’s not in both of your lists.
Poor Fellows
Potential Fixes: No
Poor fellows are just cheap bodies. They stand on an objective and try to stay out of the fight, and that’s it. They can’t really fight, their armor is paper thin, but because they can heal themselves, they will bounce back from minor harassment and won’t be chipped to death. The best way to run them is naked, or not at all.
Stone Crows
Potential Fixes: No
These guys are an alternative to Poor Fellows that might weather direct attacks a little better, but that will die more quickly to Panic. You can put Tyrion, Giant of Lannister in them for “free”, but it’s like a JC Penny discount where the sale never ends, because it’s not really a sale and the cost of Tyrion is obviously built into this unit. Putting anything besides Tyrion in them would be a pointless disaster.
Lannister Guardsmen
Potential Fixes: Mandon Moore
When new players look at Guardsmen, usually the first thing they note is “Lannister Supremacy” and think about how much damage that might do. Don’t focus on that – it’s an unreliably ability. Instead, look at their 4” movement and their six attacks with a 4+ to hit. This unit is excruciatingly passive. They can’t proactively threaten anything, they can’t easily get to a good position (which means it’d be hard to get them on a center objective), and finally, their ability only kicks off if the opponent was foolish enough to attack them with something that couldn’t wipe the Guardsmen out.
There’s not really anything practical you can do to fix this unit, because they’re really not reaching a five-point value in the first place, and they’re too slow. I’ve seen less experienced players recommend putting Assault Veterans in them to make the Panic Test from Lannister Supremacy more effective, but that doesn’t solve the issue of the Guardsmen being passive - of them being more under your opponent’s control than your own.
However, for kind of a fun fix, you can put Mandon Moore in them, and at that point they have Sundering, they’re hitting on a 3+, have 3+ armor, and archers won’t want to pick on them. It’s not competitive because Mandon compels you to run Joffrey, and Joffrey is a point too expensive, and the unit will still be slow, and they don’t have a great attack profile, but it is kind of fun to have some bargain bin Honor Guard on the field.
Lannister Halberdiers
Potential Fixes: None needed
This is one of the few Lannister units that comes pre-assembled with working abilities and everything. You don’t have to fix them! For that reason, if you’re not shy on points, this is one of the units many players will put Tyrion in.
I think one of the most notable facets of the Halberdiers is that they illustrate how much a good offense creates a good defense. Other players don’t ever seem to respect Guardsmen because the Guardsmen aren’t going to initiate anything on their own, but most players try to avoid running their light cavalry directly into a unit of Halberdiers. They’d take wounds on the way in, and if the Halberdiers haven’t activated, they’ll be wounded again when the Halberdiers attack. If you put Kevan or Bronn in these guys, then that’s even more opportunities to punish any would-be charge.
Basically, if you want a defensive unit, Halberdiers are your best friends. Lannisters have many “defensive” options to choose from, but this is one of the only choices that is actually good at defense rather than being simply passive.
Gold Cloaks
Potential Fixes: No
Kind of like Guardsmen but easier to kill, this is another passive unit with reactive abilities that mostly only benefit itself, if it benefits anything. The main draw for them is their “Laws of the Realm” Order, which reduces the number of ranks the enemy can use to attack. If this ability were long range, they’d be reasonable – of course, it’s not.
Gold Cloaks are pretty fragile, and their abilities are short range; “Oppressive Peacekeeping” incidentally requires controlling Crown, which makes it a tactical dud. Regardless, having a bunch of short range abilities necessitates that this unit be as close to the front lines as possible, where it absolutely cannot survive. A 4+ save, with only 7+ morale, makes these guys a pretty good target for a free victory point. Unfortunately, there’s not really anything too practical that can be done about this, because adding to the cost of this unit is generally only going to make it worse.
On the note of free victory points, I sometimes see players saying things like, “If the enemy attacks my useless units, then I win, because they have wasted their turn.”
This is pretty poor tactical thinking. You should assume that if your opponent kills your Gold Cloaks, it’ll be for a good reason. You can also assume they’ll be very easy to kill, because they are.
Mountain’s Men
Potential Fixes: Roose commander, Assault Veterans, Addam commander, Redcloak assistance, Daario commander, Bronn
Mountain’s Men might be one of the more famously non-working units the Lannisters can field, but unlike Guardsmen or Gold Cloaks, they’re at least not passive dead weight. The main problem with them is that their good abilities – Critical Blow and hitting on 3+ - are conditional.
They also have Vicious and Prey on Fear, and I can see how somebody thought this was a strong combination in theory. In practice, Vicious is the weakest keyword in the game, affecting the outcome of an attack only about 20% of the time. Even with Vicious, the odds of an opponent failing their Panic Test is roughly 50% or less, and I’ve had plenty of games with these guys where their attacks never gained them any wounds back. To make matters worse, once they lose one rank, they only have five attack dice. On turns when they have less ranks than the enemy and the enemy passes their Panic Test, Mountain’s Men are closer to being worth four points than they are to six. All those words on the card don’t count for much when they don’t do anything!
Luckily, there are some things you can do that make Mountain’s Men fun to play with, though not competitive. First, you can lean into the Panic stuff, which is only pragmatic here because Vicious and Prey on Fear are the abilities you know the unit will always have. An Assault Vet can help with this, but isn’t ideal because it increases the price of the Mountain’s Men when they’re already struggling to be worth their value. Instead, you can run Roose as a commander and place him in them. Unfortunately, the Panic approach still relies a lot on luck, and even with the extra -1 on all Panic Tests, you can’t guarantee you’ll get healing when you need it, as the -3 penalty will only impact about a third of any Panic Test.
If you run Red Cloaks alongside the Mountain’s Men, you can increase the odds of getting a benefit from Prey on Fear. Doing this with Roose attached means inflicting an extra wound of damage and increasing the odds of success, but you’ll need to lead very aggressively with the Mountain’s Men to make sure they’re the ones primarily engaged, rather than the Red Cloaks. Red Cloaks are also suboptimal in a lot of ways – but we’ll get to them in a second.
Your alternative here is to try to increase the general fighting effectiveness and survivability of the unit. Since Bronn increases the defense and morale of a unit while you hold Wealth, he can increase the Mountain’s Men to a 3+ save with 5+ morale. Though that is nice, it is also the case that most 7-point units already have 5+ morale by default, along with a better overall profile than the Mountain’s Men have, so once again, adding cost to the unit is only making it worse at the same rate it makes them better. For that reason, you can try adding Daario to the unit, and can use Daario’s “Sellsword Negotiations” card to keep them up to ranks. Additionally, Daario lets them attack with all seven attacks when you hold Wealth. Finally, you can try putting Addam Marbrand in the unit, which will make the Mountain’s Men a little tougher to kill off while also letting them use cards like Valiant Example to get them immediately back up to higher ranks.
None of these fixes are good. The problem with most of them is that they add cost to the unit, require a suboptimal commander, or suffer from adding more conditional complexity to the unit. However, some of these fixes are at least fun and patch some of the problems the unit has… a little.
Crossbowmen
Potential Fixes: Sparrow commander, Bronn
Lannister Crossbows are a perfectly fine ranged unit. They do exactly what you’d expect: shoot enemies. Their only real flaw is that they have 7+ morale, which seems quite fair given they have 4+ armor – which is a lot for a ranged unit. Many players like to run Bronn in these guys, which raises them to a 3+ save with 6+ morale when you claim Wealth. In fact, this combo and the ease of finding targets for your Crossbows make them the most optimal place to put Bronn.
Sparrow also provides a +1 to morale, which means that Crossbows are a fine place for him to sit if you prefer not to place him somewhere else. Sparrow’s “Incite” ability is basically nothing, so it’s not missing out on much to ignore it, and his cards can be applied to any unit on the field.
Red Cloaks
Potential Fixes: Mandon Moore, Gregor commander
Red Cloaks are like a multi-role unit that forgot it was supposed to have more than one role. They can inflict a Panic Test on anything in long range by taking an action, and this occurs every time they take an action, which is a neat mechanic, but it’s also the only thing they do by default. It sounds powerful, but it’s important to remember that attacking a unit will inflict a Panic Test, so if you shoot a unit with a crossbow, they’ll first take damage from the crossbow, and then take a Panic Test. When you factor in the revelation that Red Cloak Panic Tests only succeed a little over half the time, and that only when the Red Cloak unit is at full ranks, you realize they’re just not that good.
People occasionally think to put Preston Greenfield in these guys, but the answer to the problem isn’t to use more activations to spam more Panic Tests. What you need, is to give the unit a second role – that is, melee combat ability, and you can do that by putting Gregor or Mandon Moore in them. Once the unit can actually fight, you can throw it into combat, force a Panic Test before their attack, do a decent amount of damage, then force a Panic Test after the attack.
Although this does patch one major issue with Red Cloaks, they still have a few things going on preventing them from holding up. For one, their attack profile isn’t great: when they lose a rank, they fall to five attacks and their Panic ability weakens. They also only have a 4+ to hit by default, which makes Mandon the more appealing fix since he’ll get them to a 3+, though that does make them cost more. Additionally, the entire unit winds up being wrapped up in needing Crown to function at all, which forces you to play Joffrey ahead of anything they do, and that’s a massive liability.
The Crown liability is one problem you just can’t get around. Needing to play an NCU ahead of the unit to make it worth more than four points in value makes them clunky in a way that a lot of other units don’t have to deal with.
City Watch
Potential Fixes: No
What we’re looking at with the City Watch is a unit that has pretty much the same profile as the Lannister Halberdiers, but they can only get Sundering for one turn and they don’t have Set for Charge. If you want what the City Watch is doing at this price, then you’re better off taking Halberdiers and adding an attachment to them. These guys are easily no more than a five-point value, and even then they’d be outclassed by a lot of other five-point units. For example, a cheaper replacement for these guys is to take some Stormcrow Mercenaries and choose an attachment that grants Sundering.
House Clegane Brigands
Potential Fixes: None needed
Light cavalry. It works! They are a bit fragile, but given their solid maneuverability, this is best dealt with by player skill rather than by slapping any attachments on them. That’s not to say there’s anything wrong with throwing attachments on them, as all the options work perfectly well on these guys. There are only three, after all, but they’re all solid attachments. Their Panic-related ability is going to be as flaky as those things always are, so when you decide to charge a unit, do it based on the performance you expect from their basic attack, not on what you hope might happen if the enemy fails the Panic Test.
Pyromancers
Potential Fixes: Bronn, Sandor, Addam commander, Kevan commander
Here’s a unit I would have no idea how to balance! Every attack ignores armor, and they have both melee and short ranged options to do this, with seven attacks at a 3+ to hit and a profile of 7, 7, 4. Positively every unit in the game has something to fear here, and yet, with only a 6+ save, the Pyromancers have something to fear from every other unit on the field. Dangerous to any one unit, and in danger from four or more units at a time. That means the odds are usually against them, since the opponent has quite a lot of incentive to kill these guys off, and anything on the board generally has the wherewithal to do that.
Using Bronn increases the unit’s armor while giving them a valuable extra attack, with the extra attack being the most notable thing you can do since a “DPS race” is pretty much one of the only options this unit has. Kevan is also valuable for the same reason, and his Wealth of the Rock card can be thrown out for a little extra defense. If you can combine Bronn and Kevan’s card, then for at least two attacks, the Pyromancers can have 4+ defense! That is, of course, a highly situational play that you can’t depend on. Placing Kevan in them and using Crown for a free charge is liable to produce better mileage, as it leaves open a bit more room to safely maneuver.
Addam also does alright in the Pyromancers thanks to a smidge of added tankiness, some healing from his cards, and the potential to play Lash Out when the unit takes a really bad hit (which is all the more wounds the enemy can’t stop). Normally, Addam’s biggest problem is that the enemy will try to ignore whatever he’s in to avoid triggering his nonsense, but they can’t ignore Pyromancers.
Sandor has some potential in these guys, but doesn’t do enough. He might heal two or three wounds after the Pyromancers attack, but as soon as the opponent shoots everything they’ve got at the unit, it’ll be dead before Sandor can heal them again. Plus, Sandor doesn’t work when they make a ranged attack, and his “vulnerable” effect is a bit wasted when the unit he assaults doesn’t get armor saves anyway. Ramsay Snow breaks on the exact same failure point of too much damage, not enough healing, only he costs more, so I don’t rate Ramsay even as a casual fix. The Panic stuff is not reliable and isn’t worth considering.
Still, no matter what you do, this unit is going to draw a ton of attention, and short of straight up killing whatever’s turned on it, it’s not going to survive what comes to destroy it. “Horrific Visage” is a wet paper bag that’s going to miss about half the time or more, and a 50% shot at a Panic Test is a minor risk to getting the Pyromancers off the field.
While not common, it is worth noting that the Pyromancer attacks “do not permit armor saves”, but they are not instant wounds. That means abilities such as Hardened or Resilient can still block or reduce damage dealt by Pyromancers.
Warrior’s Sons
Potential Fixes: Sparrow commander, Daario commander, Addam commander, Champion of the Faith, Sandor, Gate Warden, Mandon Moore, Bronn, Gregor commander
This is one of the units that I like for certain competitive lists, and that I think make the Lannisters stand out in terms of their faction picks. The trick with them is, they are unreliable, like a lot of Lannister infantry, but it’s on the basis of whether or not they have enough of their “Faith” resource. There are commanders and attachments that help them get more Faith, and as long as you’re using the correct stuff, Warrior’s Sons are pretty good.
The obvious commander here is Sparrow, because every single one of his cards is a morale test, and when you pass them, you can add one more Faith Token to the Warrior’s Sons that took the test. This is great! Because it allows you to use the Warrior’s Sons defense while relying on attachments to give them more kick and survivability. Wrath of the Warrior lets them attack with Sundering and +1 to hit while racking up a Faith Token for later use. Mercy of the Mother brings them back and keeps them going. Protection of the Father buffs their defense by re-rolling armor. If you use Tyrion, you can mill-draw these cards each round and make sure your Warrior’s Sons do what you need them to do.
As long as you have those tokens, you can run Sandor or a Gate Warden to maintain their survivability, or you can run Bronn to occasionally increase their armor and take a free attack. So far so good, but what if you don’t want to run Sparrow? Well, things get a little trickier now.
Addam is a common pick because he makes the unit even harder to kill, but he doesn’t have any good morale-at-will cards. He does have Charismatic Leadership, but it’s reactionary and your opponent would have to make the mistake of targeting the Warrior’s Sons with something to trip it off. Frankly, Addam in the Warrior’s Sons means they’re liable to be ignored. If they don’t generate Faith Tokens, their attacks are a bit mediocre for their cost, so you have a problem there.
Daario has a surprising amount of potential. You can mill-draw Sellsword Bravado to produce Faith Tokens while making the enemy weaker at the same time. Afterward, you can use Faith to get some good attacks, or, if you can claim Wealth, Daario gives the unit’s attacks Sundering. Therefore, any time you hold Wealth, this a pretty strong fighting unit. But wait, there’s more! Sellsword Negotiations can restore the health of the Warrior’s Sons while also having you count as holding Wealth, which is a lovely combo for a front-line unit like this, and I think it makes Daario, Stormcrow Captain the leading candidate to be in a unit of Warrior’s Sons. It is also worth considering that when you play Reckless Strikes, Faith will let you re-roll your attacks, so there’s some potential there, but I don’t recommend it, because the card can also auto-wound the Warrior’s Sons, which undermines their function as a scary, offensive wall.
If you still want to use these guys but don’t want to use Sparrow or Daario as your commander, you can put Mandon Moore in them, and at the drawback of needing to field Joffrey as well, they become a powerful fighter and defender both. They’ll run into trouble on the occasions that they fail their Panic Tests and lose their Faith Tokens, so to mitigate that, it’s usually good to avoid spending Faith while they’re at full ranks. You can wait until they’re on the second or last rank, at which point the Faith tokens have higher value, and spend them then.
Champions of the Faith do generate more Faith Tokens while handing out Vulnerable Tokens, or, if you like gambling, Panicked Tokens. Naturally, there’s also always Gregor, who doesn’t highlight the best parts of the Warrior’s Sons that well, but it does do all the bonkers, this-and-the-kitchen-sink cheese that commanders like Gregor do.
This unit is still okay without any attachments, but mainly just for standing on an objective, which is not the best use of seven points. If you’re going to invest that much, it should be to violently and noisily take something from somebody. The other reason I personally prefer Daario for this is because it won’t cost anything extra to place him in the unit.
Casterly Rock Honor Guard
Potential Fixes: Gregor commander, Daario commander, Meryn Trant, Mandon Moore
It’s so depressing to see so much text on a card, knowing you won’t use any of it. Honor Guard trade Condition Tokens for one-off effects that aren’t better than the Condition Tokens. They expend weakness to get Sundering, which is something most units of their cost might already have. They expend Vulnerable to recover wounds, conditionally based on whether or not the enemy lost a rank. They expend Panicked to remove a unit’s abilities for the turn, and though this one is useful if you’d for some reason put a Panicked Token on the board (probably explicitly for this unit’s ability), it’s not an ability that’s universally valuable because not everything has a defensive ability, and it’s hard to guess if your opponent has a card you want to block.
When you use the ability, the token goes away, so you not only have an issue with needing to set up the effect, but it’s ephemeral. Using NCUs to get the tokens is a problem because that necessitates playing the NCU first, likely broadcasting your intent, and giving your opponent an opportunity to respond. There are attachments that generate tokens, but they only do it once per round, and it’s an opportunity cost to generate a token just to quickly take it away.
In my opinion, the only good attachment that makes this unit work is Gregor as a commander. The unit has decent armor, a decent attack profile, and good morale, so once you give them two automatic wounds, immunity to Weakness, Sundering, and all of Gregor’s cards, they are an imminent threat to everyone. That’s not to say they’re actually good. It’s just that Gregor’s so jacked up that he rescues it.
Meryn Trant can be used as a fix for the Honor Guard because he consistently generates Weakness and Panicked tokens before each attack. You could skip the token thing entirely and go for Mandon Moore, though I think Meryn is better since it gets the ability nullification along with attack re-rolls. However, neither of these choices are great because they increase the cost of the unit, force-include Joffrey, and introduce the Crown confound, where you have to play an NCU before you can play the Honor Guard.
Daario can also pick this unit up with Sellsword Bravado, which will generate Weakness and Panicked before an attack, and while you control Wealth, the unit will have Sundering. However, I think Daario works a bit better in the Warrior’s Sons, because the Warrior’s Sons tend to be tougher on defense and sustain for longer when you’re using Sellsword Negotiations to keep them alive. Warrior’s Sons also have more flexibility with how you expend their Faith tokens, and when they use Sellsword Bravado, they can benefit from their Faith abilities without consuming the Weakness and Panicked tokens. Honor Guard destroy your tokens from the card, Warrior’s Sons construct on the morale test and leave the tokens intact.
Knights of Casterly Rock
Potential Fixes: None Needed
Essentially the premiere unit of the Lannisters, the Knights of Casterly Rock are fast, well-armored, and brutal. There’s not much more to say about them! “Lannister Supremacy” makes them a bit risky to shoot at with archers, and when they attack a unit that isn’t as good at fighting, it can give some nasty shocks, but really it’s the basics that make the Knights as good as they are. Generally it’s not a great idea to run attachments on them because they’re already an eight point unit, and the best thing a player can do for them is provide support.
Notable Neutrals
Though I won’t go into detail on all the Neutral options, there are a few things that deserve to be pointed out.
Bolton Cutthroats are doing basically what the Mountain’s Men are but without the stupid caveats, so if you put Sandor in them to give them Fueled By Slaughter, they cost the same, get 3+ to hit default, have a better attack profile, and heal when they attack instead of when an enemy fails a Panic Test. Not a great unit, but it’s more stable and achieves a similar goal without needing you to also run Red Cloaks, Joffrey, and whatever else.
Stormcrow Mercenaries do well with a few different attachments from the Lannisters. Tyrion most notably, who should really be in these guys if you need a nice, affordable place to put him. The Stone Crows have no advantages over the Stormcrows. It’s not even close, the Stormcrows are better.
Lysense Sellswords can bounce back from a lot of damage if you put Sandor in them. Once they’ve got two pillage tokens on them, every attack is going to restore between three to six wounds. Not bad for six points!
Stormcrow Dervishes with Sandor can also be very resilient. Because they can attack on Wealth, they can make up to three attacks per round (or more if you have Assault Orders), and each attack will heal the unit. Since they can retreat, if you still have your activation, you can take an attack from the Tactics Board, retreat, then charge as your activation, which inflicts Vulnerable from Sandor. That’s just one option – this unit is also no slouch when led by Kevan, who can charge when claiming Crown, retreat, then charge again as his activation. In my opinion, this is the best seven point unit the Lannisters can get if your commander isn’t supporting Warrior’s Sons because the Dervishes have the same armor as most of your options, but unlike your units, these guys are reliable and have consistent abilities.
In Summary of Units
To make this really simple, if you want a competitive list, you should probably be using Halberds, Knights, and Crossbows. You can use Warrior’s Sons if you’re set up for it. Brigands are also alright as light cavalry, but you should be very careful with them since they’re so fragile. Beyond those options, Neutrals are probably a better bet, because Neutrals have abilities that are more stable and will require less set-up.
You might have also noticed a few comments like, “When you play this card, this unit really benefits from it.”
Stuff like that is why Tyrion, Giant of Lannister should be in almost every list you make. Some units are going to be bad no matter what commanders or attachments you put in them, but they do get better and are more fun to play if you combo them with specific cards. That doesn’t work if those cards are at the bottom of your deck and you’re stuck drawing dysfunctional duds like Hear Me Roar.

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df # A tibble: 248 × 2 asignado mxsitam   1 Control No 2 Control No 3 Intervencion No 4 Intervencion Si 5 Intervencion Si 6 Intervencion Si 7 Control No 8 Intervencion Si 9 Control Si 10 Control Si # ℹ 238 more rows 

aticamama %>% select(c("asignado", mxsitam)) %>% mutate(mxsitam= as.integer(if_else(mxsitam== "No", 0,1))) %>% tbl_summary(by= "asignado", missing = "always", digits = list(all_categorical() ~ c(0,1)), statistic = list(all_categorical() ~ "{n} ({p})"), missing_text= "Casos perdidos", percent= "column") %>% add_overall() %>% modify_header(label = "") %>% add_difference() 

aticamama$variable1 <- factor(aticamama$asignado) aticamama$variable2 <- factor(aticamama$mxsitam) tabla_contingencia <- table(aticamama$variable1, aticamama$variable2) tabla_contingencia > tabla_contingencia No Si 0 92 33 1 82 41 resultado_prueba <- prop.test(tabla_contingencia) resultado_prueba > resultado_prueba 2-sample test for equality of proportions with continuity correction data: tabla_contingencia X-squared = 1,1116, df = 1, p-value = 0,2917 alternative hypothesis: two.sided 95 percent confidence interval: -0,05236089 0,19102756 sample estimates: prop 1 prop 2 0,7360000 0,6666667