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About ChumpusRex

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  1. There is no restriction to 1st party processing; the processing can be carried out by a 3rd party (e.g. where necessary, and where the same protection of the data can be assured). Recital 48 of the GDPR makes this explicit, by stating that sharing of data among multiple data controllers may be a legitimate interest. It is easy to see how this applied to financial institutions and CRAs. In their guidance, the ICO use this specific example of lenders sharing data with CRAs, and CRAs then sharing that data with 3rd party lenders as an example of acceptable data processing.
  2. You don't need consent to hold and process personal data. However, you must have a reason (for each individual type of processing). Consent is just one possible reason you could give for processing data. As posted earlier in the thread, other valid reasons are: contract, legal obligation, vital interests, public tasks and legitimate interests. So, as long as a credit reference agency has a valid reason in the above list, they do not need consent. Legitimate interests is a rather broad category, but basically means that you have a strong argument that the benefits (to the public or to the custo
  3. I don't even recall ever releasing a version for download. Anyway, it's well dead. I gave up on it after I realised I had no idea what I was doing.
  4. However, not everyone gets a good experience. Friends who have developed serious conditions like MS or a stroke have found their private health insurance to be of very limited value, because their insurance would not pay for the ongoing care needed, and instead directed them to the NHS. One of the things to remember is that typical private medical insurance in the UK is that the maximum amount that they will pay for treatments is very limited. For example, if in hospital for illness or surgery, and recovery is slower than exepected, then it's common for them to only pay the hospital
  5. There are many reasons behind this, but some is made a lot more difficult due to changes in the way of working. For example, junior doctors who do a lot of medical leg work and documentation increasingly work complex rotas where every day they see a different random selection of in-patients, so they have no knowledge of individual cases. For example, this means that if there is a dangerous test result, the contact details on the request form often turn out to be someone who's doing a totally different job on that particular day, and not the person that needs contacting. Equally, it can a
  6. That is the standard NHS charge - the dentist doesn't get that, they collect it on behalf of the NHS. The £20.60 includes an examination, scale and polish, X-rays, sealants, photographs, minor complexity assessments and similar minor procedures as required. (i.e. the fee is paid once for as many minor assessments as are performed on that attendance). The dentist bills for that session at a pre-agreed rate to the local clinical commissioning group. The prices are locally negotiated. The dentist then puts in an invoice for what work has been performed (e.g. examination, X-rays and scale/pol
  7. https://www.theguardian.com/society/2018/mar/10/housing-budget-817-million-unspent-astonished-mps Councils have returned £871 million pounds ear-marked to build new affordable housing. While a large underspend is always nice, in this case, lack of good quality affordable housing is a critical problem in many parts of the country, and one which many councils are very concerned about. So it seems a bit baffling why councils are cutting back on commissioning new housing when central government are showering them with cash to do so.
  8. I've been watching the bitcoin community tear itself apart for too long, and doing nothing about it. I lectured someone at work who happened to ask about bitcoins, about the fractured community, the BCH/BTC angst, the fee crisis, etc. and then completely failed to do anything about it, except for rotate into BCH at the top. I'm also now seeing bubbles everywhere - even my mother, who can barely manage e-mail is now getting adverts for ICOs, bitcoin trading, and all manner of other scams; they are even popping up at work where I restricted my web use to only directly work-related stuff.
  9. Difficult to know. However, the marginal cost is more easily calculated. Based on the most efficient mining technology in widespread use, the energy consumption to mine 1 block (currently generating 12.5 BTC) is at minimum about 500 MWh. So, about 40 MWh per BTC at present. That's around 12 tonnes per BTC assuming 300 g/kWh, but obviously this is highly dependent on the source of electricity. Due to the historically low margins on mining, most BTC mining tends to be in areas where electricity is cheapest which tends to be regions with large amount of hydro.
  10. Everything that goes on in the channel is subject to change. However, it is possible to structure transactions such that there is no need for trust. Consider the following: Alice goes to a coffee shop, and opens a channel, containing $100. The $100 is transferred to a multisig address, requiring co-signature from both Alice and Barista. Effectively, she has put the money behind the bar as a tab. She orders a coffee. Alice signs a transaction for $5 to the coffee shop and a $95 refund, and then presents that transaction to the barista. The Barista could sign the transaction and b
  11. Even thought the Segwit 2x fork had been officially called off, some users decided to continue running the client and mining software, and initiate the fork anyway. The result was catastrophic failure, as the software froze before the scheduled fork block. Multiple bugs have subsequently been found in the fork activation code, as well as problems with the default configuration of the software. Considering that the fork was only cancelled at the 11th hour, and this fork was supposed to "become bitcoin", the incompetence (the main bugs were an "off by one" error in the fork activation
  12. Indeed. Close to 60% of hash power left mining BTC to move to BCH during the pump, leaving the BTC starved for capacity. The proximate problem with the BTC difficulty adjustment, is that it is very slow to respond (2016 blocks, 2 weeks under normal conditions, much longer under hash rate starved conditions). This is made worse because the BTC chain is running very close to capacity. Over the last 6 weeks, blockchain capacity has averaged about 91%. Due to the vagaries of mining and transaction/block propagation, absolute peak blockchain utilisation averages at about 95%. With hash power,
  13. Tethers are intended to be a pegged and collateralised cryptocurrency. Rather than being produced by mining, they can be produced or destroyed by an issuing authority, in this case by being collateralised by USD. You pay $100 USD to the issuer, and they issue 100 tethers; and vice versa. The tethers can then be transacted in the same way as any other cryptocurrency. The intention was to make trading of cryptocurrencies easier, so a small exchange does not need to deal with cash, and instead just deals in tethers, which can be redeemed or deposited by customers. This moves a ton of A
  14. I don't think it's that good in reality. Realistically, with 100% segwit transactions capacity would be increased by about 70%. At present, segwit transactions have approximately 12% penetration and current block size is hovering around 1.07-1.08 MB during the current major transaction backlog. Extrapolation to 100% segwit transactions would suggest a maximum block size of approx 1.5-1.7 MB. At the moment, block capacity is also wasted by miners either mining only partially full blocks (there are lots of exactly 750 kB blocks even during periods of severe backlog), or not releasing the ex
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