jueves, 10 de julio de 2025

Numeralia sobre huachicol fiscal

Para marzo de 2025, México solo cubrió el 40.1% de la demanda de gasolina y 61% de diésel en producción local, de acuerdo con los últimos datos de la Secretaría de Energía (SENER), analizados por PETROIntelligence.

El huachicol fiscal es la comercialización e importación de combustibles, principalmente gasolina y diésel, que se hace pasar por otro tipo de hidrocarburos para no pagar los impuestos correspondientes, principalmente el Impuesto Especial sobre Producción y Servicios (IEPS) y el de Valor Agregado (IVA).

El huachicol fiscal es una fuga de ingresos al fisco de hasta 525 mil millones de pesos anuales, según estimaciones del Sistema de Administración Tributaria (SAT).

Una de la formas más frecuentes del huachicol fiscal es la que se hace pasar por lubricante. En 2021, hubo un incremento de 79% en la importación de este tipo de sustancias sobre la demanda legítima, de acuerdo con un informe de la Secretaria de Hacienda en 2022.

En 2023, la Asociación Mexicana de Proveedores de Estaciones de Servicios (AMPES) compartió la estimación de la existencia de 22 mil puntos irregulares de autoconsumo, en comparación con las 13 mil 823 estaciones con permisos vigentes. Es decir, hay 1.6 puntos de venta ilegal por cada gasolinera regulada.

viernes, 4 de julio de 2025

Circle of Life

2018/05?          Miau
2019/03/15          Negro
2019/03/15          Muñeca
2019/03/15    
    Muñeco
2019/03/15          Tontín
2019/08/15     19:07     Flaca
2019/08/15     19:56    Colorina
2019/08/15     22.24    Pinto
2019/08/15     01:00     Benito
m         
m         

jueves, 26 de junio de 2025

Pirámide de Kelsen en México

En el caso mexicano, la Pirámide de Kelsen se encuentra conformada por los siguientes niveles jerárquicos:
  1. La Constitución Política de los Estados Unidos Mexicanos. Ubicada en la cima, consta de tres partes fundamentales: el preámbulo, la parte dogmática y la parte orgánica. Junto a ella se encuentran los Tratados Internacionales en materia de Derechos Humanos que la nación haya suscrito.
  2. Las leyes federales. El segundo cuerpo lo ocupan el conjunto de leyes federales y los Tratados Internacionales no relacionados con los DDHH, como acuerdos comerciales, políticos, diplomáticos, etc. Dichas leyes rigen el conjunto de los estados mexicanos, aplican a toda la nación como conjunto.
  3. Las leyes estatales. Es decir, las Constituciones Estatales, las Leyes Estatales, las Leyes Orgánicas y las Normas Oficiales.
  4. Las leyes locales, que describen las facultades de los municipios, de ámbito puramente local y minoritario en comparación con los peldaños superiores de la pirámide. Se trata de las leyes “ordinarias”, de menor rango, pero que rigen las normas y los reglamentos del último peldaño.
  5. Las normas y reglamentos de base. En este último peldaño, el más amplio y el que sirve de base a la pirámide, se hallan los reglamentos, de carácter legislativo, así como las Normas Jurídicas Individualizadas, que son acciones jurídicas concretas, como los contratos o los testamentos, y que jamás pueden contravenir los peldaños superiores de la pirámide.

miércoles, 25 de junio de 2025

Pirámide de Kelsen

La Pirámide Kelseniana o la Pirámide de la jerarquía jurídica es la representación gráfica del sistema jurídico mediante una pirámide segmentada en diversos estratos o niveles. Representa una relación vertical entre las distintas normas jurídicas, como lo entendía el jurista y filósofo austríaco Hans Kelsen (1881-1973), desde la doctrina positivista.

Esta pirámide normativa surge de la idea de que toda norma jurídica obtiene su valor de una norma superior en jerarquía, de acuerdo a tres niveles jerárquicos distintos en los que Kelsen dividía su pirámide:

  1. El nivel fundamental. A la punta de la pirámide, donde se halla la Carta Magna, Constitución Nacional o el texto jurídico base del cual emanan todas las demás leyes y disposiciones. Es el texto clave sobre el cual no tiene jerarquía ninguna institución jurídica.
  2. El nivel legal. Ubicado en un peldaño intermedio y pudiendo dividirse en muchos subpeldaños, a lo largo de los cuales se ordenarán según jerarquía el conjunto de las leyes que hacen vida dentro del marco legal constitucional, desde las más (arriba) hasta las menos fundamentales (abajo).
  3. El nivel base. Al final de la pirámide, siendo el más ancho, pues contiene las sentencias de los organismos jurídicos, las cuales son mucho más abundantes en comparación con los peldaños anteriores, al mismo tiempo que menos fundamentales.

martes, 24 de junio de 2025

Socráticos

Los mejores diálogos socráticos del ahora, según Agnes Callard, están en:

  1. Las novelas de Rachel Cusk.
  2. Escenas de un matrimonio, de Ingmar Bergman.
  3. Las películas de Asghar Farhadi.
  4. La trilogía del Antes de…, de Richard Linklater.

miércoles, 11 de junio de 2025

Note-taking system

Sam Altman.

Manual writing is a tool for thinking

Use a spiral notebook:

  1. You can rip pages out.
  2. You can open it flat on the table.
  3. Look at multiple pages at the same time.
  4. Choose a size that fits in in your pocket.
  5. Choose a good paper to write on.
  6. Use a good pen.

martes, 10 de junio de 2025

Oper

  • Die Zauberflöte (KV 620), de Wolfgang Amadeus Mozart y Emanuel Schikaneder (1791).
  • Der Kaiser von Atlantis, oder Die Tod-Verweigerung, por Viktor Ullmann y Peter Kien (1943).
  • Antonieta, un ángel caído, de Federico Ibarra y Verónica Musalem (2010).

lunes, 9 de junio de 2025

Yoni

Yonathan Netanyahu (NY, 1946 - Entebbe, 1976)

Films:

1976. Victory at Entebbe.
1976. Raid on Entebbe.
1977. Operation Thunderbolt.
1977. Raid on Entebbe.
2012. Live or Die in Entebbe.
2012. Follow Me: The Yoni Netanyahu Story.
2018. Entebbe.

Books:

1979. Hero of Entebbe, by Max Hastings.
2015. Operation Thunderbolt, by Saul David.

domingo, 8 de junio de 2025

Recomendaciones de Sir Max Hastings

  1. Mar cruel, de Nicholas Montserrat ...es uno de los mejores libros sobre la guerra en el mar;
  2. Memoirs, de George Macdonald Fraser ...que luchó en Birmania, son quizá las más elocuentes de un soldado en la II Guerra Mundial;
  3. The struggle for Europe, del corresponsal de guerra australiano Chester Wilmot;
  4. Los desnudos y los muertos, de Mailer; 
  5. El baile de los malditos, de Shaw.

sábado, 7 de junio de 2025

Libraries

Baron Henrik Eggers, a northman.

  • Angloverso 19043
  • Exlibris 2005137

viernes, 6 de junio de 2025

Katharsis. Imágenes de la lucha libre en México, 1940–2007

Katharsis. Imágenes de la lucha libre en México, 1940 – 1970, es una exposición conformada por imágenes de la Colección y Archivo de Fundación Televisa, convirtiéndose en un tour documental y artístico de la cultura popular por las arenas reales e imaginarias de la lucha libre mexicana.

Sedes:

2007. Eastmanhouse Museum, Rochester, NY.
2008. Museo de la Ciudad de México, CDMX.
2009. Parque Fundidora, Monterrey, NL.
2013. Museo de Arte Latinoamericano (MOLAA), Long Beach, CA.
2016. Centro Cultural La Plaza, Los Angeles, CA.
2022. Museo Arocena, Torreón, COAH.
2025. Museo de las Artes de la Universidad de Guadalajara, JAL.

jueves, 5 de junio de 2025

Openness

Openness is a broad, diffuse personality dimension. In general, highly open people like a variety of new experiences, whether physical, emotional, intellectual, or cultural. 

The six facets of openness are:

  1. Adventurousness. Experience new situations in your life.
  2. Artistic interests. Enjoy art, music, and culture.
  3. Emotionality. Attune to your own and others' emotions. Truly feel emotions.
  4. Imagination. Imagine.
  5. Intellect. Play with ideas, reflect on philosophical concepts, and have deep discussions.
  6. Liberalism. Be the engine of progressive change.

References: IPIP-120 Personality Test. [58. 22, 84, 03, 65, 96, 57].

miércoles, 4 de junio de 2025

El huésped de fin de semana ideal

Las seis reglas del huésped de fin de semana ideal de James Salter:

  1. Nunca llegues demasiado temprano,
  2. lleva a la anfitriona un regalo que le guste,
  3. mantente a solas al menos tres horas al día,
  4. juega a todos sus juegos,
  5. no te acuestes en la cama equivocada,
  6. vete a tiempo.

martes, 3 de junio de 2025

Apertura del signo de interrogación

Historia.

1611
En el Tesoro de la lengua española se habla por primera vez del interrogante como “la señal que se pone en la escritura para que se entienda la cláusula interrogativa”
1734
En el primer Diccionario de la Real Academia Española se dice que la interrogación se pone “al fin de la razón, no al principio” y también que "el signo se forma con una s al revés y añadiendo un punto debajo”.
1884
En esta edición del Diccionario de la Real Academia Española se establece que se trata de “un signo ortográfico (¿?) que se pone al principio y al fin de la cláusula en que se hace pregunta”.

Razón.

En español no contamos con una estructura que indique que lo que sigue es una pregunta, así que necesitamos ambos signos para que ayuden al lector a entonar la frase de manera adecuada desde el principio. En inglés o alemán, por ejemplo, se invierte la estructura de la frase y el orden de las palabras para advertir, desde el comienzo de la frase, que es una pregunta. Ejemplo: You have cats, se distingue de: Do you have cats?. En español, ambas frases se entonarían de la misma manera, si no fuese por los signos de interrogación. Tienes gatos y ¿Tienes gatos?.

Saber más:

Origen de la interrogación

lunes, 2 de junio de 2025

La rana de Bashō

古池や
蛙飛こむ
水のおと

Furu ike ya
kawazu tobikomu
mizu no oto

Un viejo estanque:
salta una rana,
ruido de agua.

—Matsuo Bashō, 1686
Traducción de Octavio Paz

domingo, 1 de junio de 2025

Cinco reglas para hacer ciencia

  1. No hay que estar ocupado todo el tiempo. Si estás muy ocupado, no eres creativo. Yo dejo espacios de tiempo para mí mismo.
  2. Cambiar de área de trabajo. Yo lo comparo con ser inmigrante. Vas a un país nuevo y ves que la gente hace las cosas de maneras diferentes. Entonces, adoptas las maneras que tienen sentido para ti, pero mantienes las que también tienen sentido para ti. Y las mezclas. 
  3. Rodéate de críticos. Especialmente cuando ganas el Premio Nobel, la gente te critica menos. Tengo colegas cercanos y amigos que me avisan cuando estoy equivocado. Cuando tienes éxito, empiezas a creer que lo sabes todo, pero no es así. Por eso necesitas a alguien que te diga, constantemente, que estás diciendo chorradas.
  4. No hacer caso de los consejos. A veces la gente hace caso de lo que dice una autoridad solo porque es una autoridad, pero tienes que comprobar si tiene sentido para ti. Si alguien te dice que hagas algo y no tiene sentido para ti, no lo hagas. 
  5. La regla número 5 es mi principal motivo para hacer ciencia: porque es divertida. Mi objetivo siempre ha sido hacer investigación impulsada por la curiosidad. Así que creo que la sociedad necesita aprender que la mejor manera de hacer ciencia, la mejor manera de encontrar futuras medicinas, es financiar la investigación impulsada por la curiosidad. Y las aplicaciones llegarán.
—Ardem Patapoutian, Premio Nobel de Medicina 2021.

sábado, 31 de mayo de 2025

Edgar Allan Poe en el cine

Clásicos en pantalla grande. Marzo - julio 2025. Cineteca Nacional.

  1. An evening of Edgar Allan Poe. 1971.
  2. The tomb of Ligeia. 1964.
  3. The masque of the red death. 1964.
  4. Witchfinder general. 1968.
  5. The oblong box. 1969.
  • 15* y 16 marzo: La conciencia vengadora (David W. Griffith, EU, 1914)

  • 22 y 23 marzo: Murders in the Rue Morgue (Robert Florey, EU, 1932)

  • 29 y 30 marzo: El gato negro (Edgar G. Ulmer, EU, 1934)

  • 5 y 6 abril: Phantom of the Rue Morgue (Roy Del Ruth, EU, 1954)

  • 12 y 13 abril: La pavorosa casa de Usher (Roger Corman, EU, 1960)                   

  • 18 y 20 abril: La fosa y el péndulo (Roger Corman, EU, 1961)

  • 26 y 27 abril: Cuentos de terror (Roger Corman, EU, 1962)

  • 3 y 4 mayo: El entierro prematuro (Roger Corman, EU, 1962)

  • 10* y 11 mayo: La caída de la casa Usher (Jean Epstein, Francia, 1928)

  • 17 y 18 mayo: El cuervo (Roger Corman, EU, 1963)

  • 24 y 25 mayo: El palacio embrujado (Roger Corman, EU, 1963)

  • 31 mayo y 1 junio: La tumba de Ligeia (Roger Corman, EU, 1964)

  • 7 y 8 junio: La máscara de la muerte roja (Roger Corman, EU, 1964)

  • 14 y 15 junio: Cuando las brujas arden       (Michael Reeves, EU,1968)

  • 21 y 22 junio: La caja siniestra (Gordon Hessler, EU, 1969)

  • 28 y 29 junio: Una noche con Edgar Allan Poe (Kenneth Johnson, EU,1971)

  • 5 y 6 julio: Asesinatos en la calle Morgue (Gordon Hessler, EU, 1971)

  • 12 y 13 julio: La mansión de la locura (Juan López Moctezuma, México, 1973)

viernes, 30 de mayo de 2025

A Gloria

Salvador Díaz Mirón
1881

No intentes convencerme de torpeza
con los delirios de tu mente loca:
mi razón es a la par luz y firmeza,
firmeza y luz como el cristal de roca.

Semejante al nocturno peregrino
mi esperanza inmortal no mira el suelo,
no viendo más que sombra en el camino
sólo contempla el esplendor del cielo.

Vanas son las imágenes que entraña
tu espíritu infantil, santuario oscuro.
Tu numen, como el oro en la montaña,
es virginal y por lo mismo impuro.

A través de este vórtice que crispa,
y ávido de brillar, vuelo o me arrastro,
oruga enamorada de una chispa
o águila seducida por un astro.

Inútil es que con tenaz murmullo
exageres el lance en que me enredo:
yo soy altivo, y el que alienta orgullo
lleva un broquel impenetrable al miedo.

Fiado en el instinto que me empuja
desprecio los peligros que señalas:
“el ave canta aunque la rama cruja
como que sabe lo que son sus alas”.

Erguido bajo el golpe en la porfía
me siento superior a la victoria.
Tengo fe en mí: la adversidad podría
quitarme el triunfo pero no la gloria.

¡Deja que me persigan los abyectos!
¡Quiero atraer la envidia aunque me abrume!
La flor en que se posan los insectos
es rica de matiz y de perfume.

El mal es el teatro en cuyo foro
la virtud, esa trágica, descuella:
es la sibila de palabra de oro,
la sombra que hace resaltar la estrella.

Alumbrar es arder. Estro encendido
será el fuego voraz que me consuma.
La perla brota del molusco herido
y Venus nace de la amarga espuma.

Los claros timbres de que estoy ufano
han de salir de la calumnia ilesos.
Hay plumajes que cruzan el pantano
y no se manchan... ¡Mi plumaje es de ésos!

Fuerza es que sufra mi pasión. La palma
crece en la orilla que el oleaje azota.
El mérito es el náufrago del alma:
vivo se hunde, pero muerto, flota.

Depón el ceño y que tu voz me arrulle.
Consuela el corazón del que te ama.
Dios dijo al agua del torrente: ¡bulle!
y al lirio de la margen: ¡embalsama!

¡Confórmate, mujer! Hemos venido
a este valle de lágrimas que abate,
tú como la paloma para el nido,
y yo, como el león, para el combate.

jueves, 29 de mayo de 2025

Why the fuck can't I

And in my mind, that meant only one thing: If they can do it on their own terms, why the fuck can't I?

—Slash

lunes, 26 de mayo de 2025

The ballad of Paul O'Neill

On a blustery October day in 1987, a herd of prominent Wall Street investors and stock analysts gathered in the ballroom of a posh Manhattan hotel. They were there to meet the new CEO of the Aluminum Company of America—or Alcoa, as it was known—a corporation that, for nearly a century, had manufactured everything from the foil that wraps Hershey’s Kisses and the metal in Coca-Cola cans to the bolts that hold satellites together.

Alcoa’s founder had invented the process for smelting aluminum a century earlier, and since then the company had become one of the largest on earth. Many of the people in the audience had invested millions of dollars in Alcoa stock and had enjoyed a steady return. In the past year, however, investor grumblings started. Alcoa’s management had made misstep after misstep, unwisely trying to expand into new product lines while competitors stole customers and profits away.

So there had been a palpable sense of relief when Alcoa’s board announced it was time for new leadership. That relief, though, turned to unease when the choice was announced: the new CEO would be a former government bureaucrat named Paul O’Neill. Many on Wall Street had never heard of him. When Alcoa scheduled this meet and greet at the Manhattan ballroom, every major investor asked for an invitation.

A few minutes before noon, O’Neill took the stage. He was fiftyone years old, trim, and dressed in gray pinstripes and a red power tie. His hair was white and his posture military straight. He bounced up the steps and smiled warmly. He looked dignified, solid, confident. Like a chief executive. Then he opened his mouth.

“I want to talk to you about worker safety,” he said. “Every year, numerous Alcoa workers are injured so badly that they miss a day of work. Our safety record is better than the general American workforce, especially considering that our employees work with metals that are 1500 degrees and machines that can rip a man’s arm off. But it’s not good enough. I intend to make Alcoa the safest company in America. I intend to go for zero injuries.”

The audience was confused. These meetings usually followed a predictable script: A new CEO would start with an introduction, make a faux self-deprecating joke—something about how he slept his way through Harvard Business School—then promise to boost profits and lower costs. Next would come an excoriation of taxes, business regulations, and sometimes, with a fervor that suggested firsthand experience in divorce court, lawyers. Finally, the speech would end with a blizzard of buzzwords—“synergy,” “rightsizing,” and “co-opetition”—at which point everyone could return to their offices, reassured that capitalism was safe for another day.

O’Neill hadn’t said anything about profits. He didn’t mention taxes. There was no talk of “using alignment to achieve a win-win synergistic market advantage.” For all anyone in the audience knew, given his talk of worker safety, O’Neill might be pro-regulation. Or, worse, a Democrat. It was a terrifying prospect. “Now, before I go any further,” O’Neill said, “I want to point out the safety exits in this room.” He gestured to the rear of the ballroom. “There’s a couple of doors in the back, and in the unlikely event of a fire or other emergency, you should calmly walk out, go down the stairs to the lobby, and leave the building.”

Silence. The only noise was the hum of traffic through the windows. Safety? Fire exits? Was this a joke? One investor in the audience knew that O’Neill had been in Washington, D.C., during the sixties. Guy must have done a lot of drugs, he thought. Eventually, someone raised a hand and asked about inventories in the aerospace division. Another asked about the company’s capital ratios.

“I’m not certain you heard me,” O’Neill said. “If you want to understand how Alcoa is doing, you need to look at our workplace safety figures. If we bring our injury rates down, it won’t be because of cheerleading or the nonsense you sometimes hear from other CEOs. It will be because the individuals at this company have agreed to become part of something important: They’ve devoted themselves to creating a habit of excellence. Safety will be an indicator that we’re making progress in changing our habits across the entire institution. That’s how we should be judged.”

Reference:

The Power of Habit. Charles Duhigg. 2012. Chapter 4.

domingo, 25 de mayo de 2025

Neuroticism

The experience of levels of negative emotions, like anger, fear, and stress. 

The six facets of neuroticism are:

  1. Anger. Relax.
  2. Anxiety. Think about now and here.
  3. Depression. NOT clinical depression. Be happy and enjoy yourself.
  4. Inmoderation. Resist temptations. Don't binge.
  5. Self-Consciousness. Interact with others (especially strangers).
  6. Vulnerability. Don't feel overwhelmed by difficult circumstances.
References: IPIP-120 Personality Test. [71. 82, 49, 90, 11, 67, 80].

sábado, 24 de mayo de 2025

Conscientiousness

Highly conscientious people are diligent, hard-working, and responsible. 

The six facets of conscientiousness are:

  1. Achievement Striving. You have high desires to work hard and get ahead.
  2. Cautiousness. Spend less time planning what to do. Act faster.
  3. Dutifulness. Stick to your word, keep your promises, and uphold your obligations.
  4. Orderliness. Be clean and keep order in your environment.
  5. Self-Discipline. Be disciplined. Get to work quickly, stay focused, and avoid distractions or procrastination.
  6. Self-Efficacy. Get it done and do it well.
References: IPIP-120 Personality Test. [68. 67, 65, 61, 89, 29, 48].

viernes, 23 de mayo de 2025

Enforcement - Sanctions

4.1 Sanctions in Administrative Law vs. Criminal Law

FATF Recommendation 35 requires that supervisory sanctions for breaches of AML/CFT requirements by institutions be effective, proportionate and dissuasive, and be applicable to both natural and legal persons.

  1. Administrative law
  2. Criminal law
Enforcement.
  1. Informal measures, including oral and written compliance briefings and written warnings.
  2. Formal measures have a legal basis and are administrative sanctions.

4.2 Types and Characteristics of Administrative Sanctions

Administrative sanctions are intended to deter financial institutions and individuals from engaging in activities that could facilitate ML/TF/PF.

  • Corrective Measures.
  • Escalation Measures.

Sanctions can be imposed not only on the financial institution but on its personnel and members of the Board:

  1. Reprimend letter
  2. Corrective action
  3. Cease and desist order
  4. Monetary fine
  5. Appointing a Caretaker
  6. Operational Limitations or Prohibitions
  7. Suspension or Revocation of License

4.3 Effective, Proportionate, and Dissuasive Sanctions

  • Effective: deter
  • Dissuasive: discourage
  • Proportional: fair

4.4 Publication of Sanctions

Financial sector supervisors may publicly disclose the non-compliant behavior of a financial institution. Public disclosure can be an effective way to contribute to greater transparency and accountability and may deter other financial institutions from engaging in similar behavior.

4.5 Judicial Review of Administrative Sanctions

A judicial review of an administrative sanction is a legal process in which a court reviews a decision made by a regulatory or administrative body regarding the imposition of sanctions. It is an important mechanism for ensuring that regulatory and administrative bodies act within their legal authority and that decisions are made in a fair, transparent, and accountable manner.

Grounds of judicial review: 

  1. Illegality.
  2. Procedural unfairness.
  3. Irrationality.

jueves, 22 de mayo de 2025

Licensing institutions and AML/CFT

3.1 Licensing and Market Entry Requirements

FATF Recommendation 26: Regulation and supervision of financial institutions. ...Competent authorities or financial supervisors should take the necessary legal or regulatory measures to prevent criminals or their associates from holding, or being the beneficial owner of, a significant or controlling interest, or holding a management function in, a financial institution

Areas of assessment:

  1. Group structure and beneficial ownership
  2. Proposed board members, senior managers and key personnel
  3. Business-wide AML/CFT risk assessment
  4. Transparency
  5. Source of funds
  6. Corporate Governance rules
When in doubt, licensing process should not proceed.

3.2 Fitness and Propriety Assessments

The supervisory authority assesses whether incumbent and prospective board members are fit to occupy their position and whether their propriety is beyond doubt. A financial institution must be led by professionals who are competent to effectively manage all the risks to which the institution is exposed and who are of high integrity.

  • Actions
  • Professional history
  • Background information

3.3 Corporate Governance and Risk Management Framework

corporate governance is defined as:

“A set of relationships between a company’s management, its board, its shareholders and other stakeholders which provides the structure through which the objectives of the company are set, and the means of attaining those objectives and monitoring performance. It helps define the way authority and responsibility are allocated and how corporate decisions are made.”

The BCBS has identified 13 principles for corporate governance in banks that include the following components:

  1. Board and Senior Management Oversight. Leadership on AML/CFT issues and compliance.
  2. Risk Management. Assessments and mitigation measures.
  3. Policies and Procedures.
  4. Internal Controls. Reporting, escalation lines, separation of powers, etc.
  5. Compliance. Independent monitoring.
  6. Audit. Independent auditory.

miércoles, 21 de mayo de 2025

Effective Risk-Based Supervision

2.1 Supervisory Mandate, Powers, and Responsibilities

The goal of AML/CFT supervision is to maintain the integrity of the financial system and protect it from illicit activities.

Supervisors should have the following powers:

  1. To monitor
  2. To conduct inspections
  3. To exact information
  4. To impose sanctions

Supervisors should have the following responsabilities:

  1. Define the framework
  2. Conduct risk assessments
  3. Monitor and supervise
  4. Provide guidance
  5. Coordinate with international actors
  6. Enforce the law

2.2 Access to Records

Supervisors should be authorized to compel production of, and have timely access to, any information relevant to effectively monitoring the management of ML/TF/PF risks:

  1. Types of records
  2. Timeframe
  3. Format of delivery
  4. Legal basis
Confidentiality requirements to access suspicious transactions reports should not apply to the supervisory authority.

2.3 Risk-based Supervisory Approach

A risk-based approach means that the level and intensity of supervisory activities are tailored to the risks posed by a financial institution or sector. Higher-risk institutions or sectors should be subject to more frequent and intensive supervision than lower-risk institutions or sectors.

  1. Conduct risk assessment.
    • Institution profile
    • Type of customers, services, and transactions
    • AML/CFT framework
  2. Develop supervisory plan
    • Frequency and scope of supervision
    • Tools and techniques
  3. Customize activities
    1. Due diligence
    2. Transaction monitoing
    3. Suspicious activity reporting
  4. Collavborate with other relevant authorities

2.4 Resources and Expertise

More time and resources are devoted to the riskier financial institutions or sectors. The budget should allow for sufficient numbers of staff with skills and expertise commensurate with the risk profile and systemic importance of the supervised sectors. The budget should also be sufficient to cover regular staff training and technology tools needed to supervise.

  1. Legal expertise
  2. AML/CFT Knowledge
  3. Financial knowledge
  4. Communication skills
  5. IT skills

martes, 20 de mayo de 2025

Standards of Risk-based AML/CFT Supervision

The Financial Action Task Force (FATF) 40 Recommendations are measures which countries should implement to combat money laundering (ML), terrorist financing (TF), and proliferation financing (PF):

  1. Identify risks
  2. Put in preventive measures
  3. Establish powers and responsabilities
  4. Enhance transparency and effectiveness
  5. Facilitate international cooperation
Evaluation:
  • Technical assessment. Is the framework in place?
  • Effectiveness assessment. Does the framework really work?
The Basel Committee on Banking Supervision (BCBS) is the global standard setter for the regulation of banks. It has 45 members from 28 jurisdictions, consisting of central banks and authorities with formal responsibility for the supervision of banking business. The BCBS has issued the 29 Core Principles for Effective Banking Supervision which are a set of high-level supervisory standards that guide the supervision of banks and banking systems:
  • Principles 01 - 13. What supervisors do themselves.
  • Principles 14 - 29. What supervisors expect banks to do.
These 29 principles also have:
  • Essential criteria: minimum baseline requirements for sound supervisory practices.
  • Additional criteria: suggested best practices that countries should aim for.
From an AML/CFT perspective, principle 29 is the most important:
  • Abuse of financial services. The supervigor determines that banks have adequate policies and processes, including strict customer due diligence (CDD) rules to promote high ethical and professional standards in the financial sector and prevent the bank from being used, intentionally or unintentionally, for criminal activities.
The International Association of Insurance Supervisors (IAIS) is the international standard setter for the supervision of the insurance sector. It comprises insurance supervisors and regulators from more than 200 jurisdictions. The IAIS Insurance Core Principles (ICP) seek to encourage high standards in member jurisdictions:
  1. Supervisory principles
  2. Market principles
  3. Infrastructure principles
From an AML/CFT perspective, principle 22 is the most important, it requires the supervisor to take effective measures to combat money laundering and terrorist financing, and also requires insurers to have appropriate risk-based policies and procedures in place to prevent, detect, and report.

The International Organization of Securities Commissions (IOSCO) is the global standard setter for the securities sector. Currently, it has more than 230 members. IOSCO’s Objectives set out 38 Principles of securities regulation:

  • Protect investors
  • Ensure market fairness, transparency and efficiency
  • Reduce systemic risk

lunes, 19 de mayo de 2025

Cartelnomics

Cartelnomics. Felipe Juncal. 2024.

Abstract.

Impact of Drug Traffic Organizations (DTOs) on the economy of mexican municipalities.

DTOs presence is associated with a decrease in:

    1. formal employment
    2. the number of establishments,
    3. average wages, and
    4. total wage mass.

through mechanisms such as:

    1. extortion, and
    2. creation of uncertainty.

Sectorial differences highlighted: 

    1. Sectors with high fixed costs and significan upfront capital investments are the most affected: Manufacturing, commerce and construction.
    2. Sector with greater mobility and lower entry barriers are less affected: Services.

Intro.

DTOs are complex organizations with highly defined command and control structures that produce, transport, and/or distribute large quantities of illicit drugs.

Beyond criminal violence, the mere presence of DTOs can put economic activity at risk and modify the decisions of multiple agents, such as business people and entrepeneurs, due to the extraction of rents and the creation of uncertainty.

Use of differences-in-differences.

Correction biases through treatment effects: 

    1. Borusyak, 2021,
    2. Callaway, 2020
    3. Chaisemartin, 2020

Data from:

  1. Sobrino, 2020.
  2. Encuesta Nacional de Victimización de Empresas.
  3. Atlas de Complejidad Económica. 

Review.

  1. Balleta and Lavezzi (2023). DTOs create additional fied costs that distort investment decisions in firms. Credit rationing: higher interest rates.
  2. Robles et al (2015). Violence reduces electricity consumption.
  3. Utar (2022). Violence reduces plant output, product distribution, and employment.
  4. Sotlkin Moss (2023). DTOs presence increases price dispersion by 3 MXN in CPI basket.
  5. Wysocki (2015). Displacement of students to areas withlower levels of violence.
  6. Gómez (2021). Decreased nominal wages.
  7. Dettoto and Otranto (2010). Misallocation of resources: extortion and increased marginal costs.
  8. Mascarúa (2022). Lower use of inputs, contraction of wages and distortion of occupational choice.
  9. Ornelas (2018). Non-productive investment such as protection.
  10. Hoelscher (2021). Micro, small and medium navigate through legality, illegality and violence.
  11. Jaspers (2019). Integration of DTOs into legal networks and legitimate businesses.
  12. Estancona and Tiscornia (2022). DTOs expanding to control the avocado sector.
  13. Farfán Méndez (2019). DTOs long term investments, risk averse ML.
  14. Vázquez Valencia (2019). Network analysis to uncover criminal reltionships between political, criminal and financial entities.
  15. Rodríguez Hurtado (2023). DTOs select more prosperous and developed areas in Mexico.

Context.

Competitive elections, political changes. New authorities not aligned with cartels. Competition of new cartels escalated into violence. Trejo and Ley (2022). Electoral competition and partisan conflict contributes to the rise in the number of DTOs. From 15 in 2000 to 75 in 2020.

Alcocer (2022). Diversification of activities beyond drug trafficking: extortion, kidnapping, rent-seeking, and extraction of natural resources.

Model.

Ym,s,t = α + β1DTO m,t + ɣm + δt + vs + εi

    1. Difference in differences per Borusyac (2021)
    2. Two Way Fixed Effects (TWFE)
    3. Parallel trends
    4. Robustness check:
      1. Callaway (2020)
      2. Chaisemartin (2020)

Results.

Table. Reduction due to the presence of DTOs (%) 


FIRMSJOBSWAGESBILL
TOTAL2.44.34.88.1
INDUSTRY4.18.12.9*
SALES4.98.06.2*
SERVICES3.22.6*2.5*

Cartel influence is more pronounced when a single cartel arrives to a place than when we see an increase in the number of DTOs.

Conclusions.

  • Underscores the adverse economic impacts of organized crime.
  • There is a distinctions between mere presence and open violence.
  • Economic repercussions of DTOs presence are not uniform across industries.
  • The arrival of additional DTOs does not significantly exacerbate the adverse impacts.
  • Policies must address the particular vulnerabilities of the different sectors.

domingo, 18 de mayo de 2025

Winsorizing

Winsorizing es una técnica estadística que implica reemplazar valores extremos en un conjunto de datos con valores más cercanos a la media o mediana. El nombre deriva del estadístico Charles P. Winsor, quien lo introdujo en 1943. El proceso implica identificar los valores extremos en un conjunto de datos y reemplazarlos con valores menos extremos que todavía se consideran parte del conjunto de datos pero que no son tan extremos.

sábado, 17 de mayo de 2025

Agreeableness

The six facets of agreeableness are:

Agreeableness is tending to do whatever it takes to have positive relationships with other people.

  1. Altruism. Help other people as you can.
  2. Cooperation. Get along with other people.
  3. Modesty. Don't brag or show off, because these behavior can be harmful relationships.
  4. Morality. Stick to the rules and treat everyone fairly. 
  5. Sympathy. Care about others and want what's best for them.
  6. Trust. Believe more that other people are generally good and not out to harm you.
References:
  • IPIP-120 Personality Test. [18. 10, 23, 59, 77, 20, 04].

viernes, 16 de mayo de 2025

Extraversion

The six facets of extraversion are:

  1. Activity.
  2. Assertiveness. Take charge and lead others.
  3. Cheerfulness. Be happy, show joy, and other positive emotions.
  4. Excitement. Seek high levels of high quality thrills.
  5. Friendliness. Merge with other people and show interest in their lives.
  6. Gregariousness. Flock toward other people and be talkative and sociable around them.
Reference:
  • IPIP-120 Personality Test. [06. 49,08,15,12,08,09].

jueves, 15 de mayo de 2025

British cycling case

THE FATE OF British Cycling changed in 2003 when the organization governing the professional cycling in Great Britain hired Dave Brailsford as its new performance director. At the time, professional cyclists in Great Britain had endured nearly one hundred years of mediocrity. Since 1908, British riders had won just a single gold medal at the Olympic Games, and they had fared even worse in cycling’s biggest race, the Tour de France. In 110 years, no British cyclist had ever won the event. 

In fact, the performance of British riders had been so underwhelming that one of the top bike manufacturers in Europe refused to sell bikes to the team because they were afraid that it would hurt sales if other professionals saw the Brits using their gear. 

Brailsford had been hired to put British Cycling on a new trajectory. What made him different from previous coaches was his relentless commitment to a strategy that he referred to as the aggregation of marginal gains, which was the philosophy of searching for a tiny margin of improvement in everything you do. Brailsford said, “The whole principle came from the idea that if you broke down everything you could think of that goes into riding a bike, and then improve it by 1 percent, you will get a significant increase when you put them all together.” 

Brailsford and his coaches began by making small adjustments you might expect from a professional cycling team. They redesigned the bike seats to make them more comfortable and rubbed alcohol on the tires for a better grip. They asked riders to wear electrically heated overshorts to maintain ideal muscle temperature while riding and used biofeedback sensors to monitor how each athlete responded to a particular workout. The team tested various fabrics in a wind tunnel and had their outdoor riders switch to indoor racing suits, which proved to be lighter and more aerodynamic. 

But they didn’t stop there. Brailsford and his team continued to find 1 percent improvements in overlooked and unexpected areas. They tested different types of massage gels to see which one led to the fastest muscle recovery. They hired a surgeon to teach each rider the best way to wash their hands to reduce the chances of catching a cold. They determined the type of pillow and mattress that led to the best night’s sleep for each rider. They even painted the inside of the team truck white, which helped them spot little bits of dust that would normally slip by unnoticed but could degrade the performance of the finely tuned bikes. 

As these and hundreds of other small improvements accumulated, the results came faster than anyone could have imagined. Just five years after Brailsford took over, the British Cycling team dominated the road and track cycling events at the 2008 Olympic Games in Beijing, where they won an astounding 60 percent of the gold medals available. Four years later, when the Olympic Games came to London, the Brits raised the bar as they set nine Olympic records and seven world records. 

That same year, Bradley Wiggins became the first British cyclist to win the Tour de France. The next year, his teammate Chris Froome won the race, and he would go on to win again in 2015, 2016, and 2017, giving the British team five Tour de France victories in six years. During the ten-year span from 2007 to 2017, British cyclists won 178 world championships and sixty-six Olympic or Paralympic gold medals and captured five Tour de France victories in what is widely regarded as the most successful run in cycling history.

References:

  1. Mastermind: How Dave Brailsford Reinvented the Wheel. Richard Moore. 2013.
  2. Marginal Gains Matter but Gamechangers Transform. Tim Harford. 2017.
  3. Atomic Habits. James Clear. 2018.

miércoles, 14 de mayo de 2025

Habit tracker cards

Habit trackers are an easy and effective way to visualize your progress and motivate you to show up again tomorrow. I recommend habit tracker index cards. They are easy to use and can be displayed on your desk, fridge, or anywhere you want to keep your habits top of mind.

martes, 13 de mayo de 2025

Origen de la interrogación

Existe una hipótesis muy extendida la cual propone que el signo de interrogación actual tiene su origen en las letras "qo", usadas presuntamente para abreviar la palabra latina quaestiō ("pregunta"). Según esta hipótesis, con el tiempo la "q" se fue situando sobre la "o" y esta última disminuyó su tamaño hasta dar lugar al punto del signo de interrogación actual. Esta hipótesis fue creada por el escritor neerlandés Willem Bilderdijk.

lunes, 12 de mayo de 2025

Workout Peinado

Sergio Peinado.

  1. Flexoextensión de cadera.
  2. Peso muerto a una pierna.
  3. Sentadilla en silla a una pierna.
  4. Puente a una pierna.
  5. Abducciones laterales.
  6. Zancada hacia atrás.
  7. Zancada atrás rango incompleto.
  8. Zancada corta rango incompleto.
  9. Sentadilla.
  10. Puente de rana.
  11. Cangrejos laterales.
  12. De hincado a zancada arriba.
  13. Desplante lateral.

domingo, 11 de mayo de 2025

Sistema de Indicadores Cíclicos

El Indicador Coincidente del Sistema de Indicadores Cíclicos del INEGI es un índice compuesto que resume y sintetiza la información que proviene de seis variables de frecuencia mensual: 

  1. el Indicador Global de la Actividad Económica (IGAE),
  2. el Indicador de la Actividad Industrial,
  3. el Índice de Ingresos por Suministro de Bienes y Servicios al Por Menor,
  4. los Trabajadores Permanentes en el IMSS,
  5. la Tasa de Desocupación Urbana y
  6. las Importaciones Totales.

sábado, 10 de mayo de 2025

Recesión

Recesión: Disminución significativa de la actividad económica, extendida a toda la economía, que dura más de unos pocos meses y que normalmente se refleja en la producción, el empleo, los ingresos reales y otros indicadores. Una recesión comienza cuando la economía alcanza un punto máximo de actividad y termina cuando alcanza su mínimo.

viernes, 9 de mayo de 2025

Anotaciones sobre Stata OPHI

  • Las rutas a los archivos en igrowup_stata deben personalizarse a la computadora.
  • Instalar mdesc.
  • Instalar mpitb.
  • Instalar wbopendata.
  • k=20, vulnerables; K=33, línea de pobreza; K=50, extrema pobreza.
  • Indicadores dst en la línea de pobreza para estimar indigencia.
  • El MPI 2024 utilizó la ENSANUT 2022.
  • ¿El MPI 2025 utilizará la ENSANUT 2023?
  • ¿El MPI 2026 utilizará la ENSANUT 2024?
  • La ENSANUT 2024 se concluyó en noviembre de 2024. La base se publicará en junio de 2025.
  • El análisis rural y urbano se hace cada uno por separado, con sus respectivos ejecutables.
  • Dados los pocos datos, ¿qué tan significativo es correr por regiones del estado?

jueves, 8 de mayo de 2025

Receta de Picolandia

  • Aprende rápido, 
  • trabaja más que nadie, 
  • no te quejes nunca,
  • sé voluntario para todo,
y por supuesto,
  • traga mierda a reventar.
Pérez-Reverte. Una historia de guerra. XLSemanal. 13/9/2010.

miércoles, 7 de mayo de 2025

Aguirre

Libros:

  • La expedición de Ursúa y los crímenes de Aguirre. Robert Southey. 1821.
  • Los marañones. Ciro Bayo. 1913.
  • La expedición de Ursúa al Dorado, la rebelión de Lope de Aguirre y el itinerario de los marañones. Emiliano Jos Huesca. 1927.
  • La aventura equinoccial de Lope de Aguirre. Ramón J. Sender. 1947.
  • El camino de El Dorado. Arturo Uslar Pietri. 1947.
  • Ciencia y osadía sobre Lope de Aguirre el peregrino. Emiliano Jos Huesca. 1950.
Cómics:
  • La aventura. Enrique Breccia. 1989.
  • La conjura. Del Barrio. 1993.
  • La Expiación. Ricard Castells. 1998.

Películas:

  • Aguirre, la cólera de Dios. Werner Herzog. 1972.
  • El Dorado. Carlos Saura. 1988.

martes, 6 de mayo de 2025

7 Sledgehammer Workout Benefits

  1. Build more lean muscles.
  2. Lose body fat.
  3. Benefit your power and agility.
  4. Improve your endurance.
  5. Feel exhilarated.
  6. Make your bones and tendons stronger.
  7. Improve forearm and grip strenght.

lunes, 5 de mayo de 2025

The trek of Lisa Allen

She was the scientists’ favorite participant.

Lisa Allen, according to her file, was thirty-four years old, had started smoking and drinking when she was sixteen, and had struggled with obesity for most of her life. At one point, in her mid-twenties, collection agencies were hounding her to recover $10,000 in debts. An old résumé listed her longest job as lasting less than a year.

The woman in front of the researchers today, however, was lean and vibrant, with the toned legs of a runner. She looked a decade younger than the photos in her chart and like she could out-exercise anyone in the room. According to the most recent report in her file, Lisa had no outstanding debts, didn’t drink, and was in her thirty-ninth month at a graphic design firm. “How long since your last cigarette?” one of the physicians asked, starting down the list of questions Lisa answered every time she came to this laboratory outside Bethesda, Maryland. “Almost four years,” she said, “and I’ve lost sixty pounds and run a marathon since then.” She’d also started a master’s degree and bought a home. It had been an eventful stretch.

The scientists in the room included neurologists, psychologists, geneticists, and a sociologist. For the past three years, with funding from the National Institutes of Health, they had poked and prodded Lisa and more than two dozen other former smokers, chronic overeaters, problem drinkers, obsessive shoppers, and people with other destructive habits. All of the participants had one thing in common: They had remade their lives in relatively short periods of time. The researchers wanted to understand how. So they measured subjects’ vital signs, installed video cameras inside their homes to watch their daily routines, sequenced portions of their DNA, and, with technologies that allowed them to peer inside people’s skulls in real time, watched as blood and electrical impulses flowed through their brains while they were exposed to temptations such as cigarette smoke and lavish meals. The researchers’ goal was to figure out how habits work on a neurological level—and what it took to make them change.

“I know you’ve told this story a dozen times,” the doctor said to Lisa, “but some of my colleagues have only heard it secondhand. Would you mind describing again how you gave up cigarettes?”

“Sure,” Lisa said. “It started in Cairo.” The vacation had been something of a rash decision, she explained. A few months earlier, her husband had come home from work and announced that he was leaving her because he was in love with another woman. It took Lisa a while to process the betrayal and absorb the fact that she was actually getting a divorce. There was a period of mourning, then a period of obsessively spying on him, following his new girlfriend around town, calling her after midnight and hanging up. Then there was the evening Lisa showed up at the girlfriend’s house, drunk, pounding on her door and screaming that she was going to burn the condo down.

“It wasn’t a great time for me,” Lisa said. “I had always wanted to see the pyramids, and my credit cards weren’t maxed out yet, so … ” On her first morning in Cairo, Lisa woke at dawn to the sound of the call to prayer from a nearby mosque. It was pitch black inside her hotel room. Half blind and jet-lagged, she reached for a cigarette. She was so disoriented that she didn’t realize—until she smelled burning plastic—that she was trying to light a pen, not a Marlboro. She had spent the past four months crying, binge eating, unable to sleep, and feeling ashamed, helpless, depressed, and angry, all at once. Lying in bed, she broke down. “It was like this wave of sadness,” she said. “I felt like everything I had ever wanted had crumbled. I couldn’t even smoke right.

“And then I started thinking about my ex-husband, and how hard it would be to find another job when I got back, and how much I was going to hate it and how unhealthy I felt all the time. I got up and knocked over a water jug and it shattered on the floor, and I started crying even harder. I felt desperate, like I had to change something, at least one thing I could control.”

She showered and left the hotel. As she rode through Cairo’s rutted streets in a taxi and then onto the dirt roads leading to the Sphinx, the pyramids of Giza, and the vast, endless desert around them, her self-pity, for a brief moment, gave way. She needed a goal in her life, she thought. Something to work toward. So she decided, sitting in the taxi, that she would come back to Egypt and trek through the desert.

It was a crazy idea, Lisa knew. She was out of shape, overweight, with no money in the bank. She didn’t know the name of the desert she was looking at or if such a trip was possible. None of that mattered, though. She needed something to focus on. Lisa decided that she would give herself one year to prepare. And to survive such an expedition, she was certain she would have to make sacrifices. In particular, she would need to quit smoking.

When Lisa finally made her way across the desert eleven months later—in an air-conditioned and motorized tour with a half-dozen other people, mind you—the caravan carried so much water, food, tents, maps, global positioning systems, and two-way radios that throwing in a carton of cigarettes wouldn’t have made much of a difference.

But in the taxi, Lisa didn’t know that. And to the scientists at the laboratory, the details of her trek weren’t relevant. Because for reasons they were just beginning to understand, that one small shift in Lisa’s perception that day in Cairo—the conviction that she had to give up smoking to accomplish her goal—had touched off a series of changes that would ultimately radiate out to every part of her life. Over the next six months, she would replace smoking with jogging, and that, in turn, changed how she ate, worked, slept, saved money, scheduled her workdays, planned for the future, and so on. She would start running half-marathons, and then a marathon, go back to school, buy a house, and get engaged. Eventually she was recruited into the scientists’ study, and when researchers began examining images of Lisa’s brain, they saw something remarkable: One set of neurological patterns—her old habits—had been overridden by new patterns. They could still see the neural activity of her old behaviors, but those impulses were crowded out by new urges. As Lisa’s habits changed, so had her brain.

It wasn’t the trip to Cairo that had caused the shift, scientists were convinced, or the divorce or desert trek. It was that Lisa had focused on changing just one habit—smoking—at first. Everyone in the study had gone through a similar process. By focusing on one pattern—what is known as a “keystone habit”—Lisa had taught herself how to reprogram the other routines in her life, as well.

“I want to show you one of your most recent scans,” a researcher told Lisa near the end of her exam. He pulled up a picture on a computer screen that showed images from inside her head. “When you see food, these areas”—he pointed to a place near the center of her brain—“which are associated with craving and hunger, are still active. Your brain still produces the urges that made you overeat.

“However, there’s new activity in this area”—he pointed to the region closest to her forehead—“where we believe behavioral inhibition and self-discipline starts. That activity has become more pronounced each time you’ve come in.”

Lisa was the scientists’ favorite participant because her brain scans were so compelling, so useful in creating a map of where behavioral patterns—habits—reside within our minds. “You’re helping us understand how a decision becomes an automatic behavior,” the doctor told her.

domingo, 4 de mayo de 2025

Leadership Tebow's way

Tim Tebow. Virtues to reach true LEADERSHIP. Eminem. Lose yourself.

L - Level-headedness at all times.
E - Eagerness to advance through every scenario.
A - Altruism and selflessness.
D - Determination to come out on top.
E - Equanimity and assertiveness at all situations.
R - Restlessness until the goal is complete.
S - Supportiveness to each and every member of the team.
H - Hope before, during and after.
I - Indestructibleness in the field.
P - Perseverance to reach your goal.

sábado, 3 de mayo de 2025

La noche cíclica

Lo supieron los arduos alumnos de Pitágoras:
los astros y los hombres vuelven cíclicamente;

—Jorge Luis Borges, 1940.

miércoles, 30 de abril de 2025

You are not...

You are not a beautiful and unique snowflake! 
You are the same decaying organic matter as everything else!
We are all part of the same compost heap!
We are the all-singing, all-dancing crap of the world! 

You are not your bank account. 
You are not the clothes you wear
You are not the contents of your wallet. 
You are not your bowel cancer. 
You are not your grande latte. 
You are not the car you drive! 
You are not your fucking khakis!

You have to realize that someday you will die; 
until you know that, you are useless!
I say let me never be complete. 
I say may I never be content. 
I say deliver me from Swedish furniture! 
I say deliver me from clever art!
I say deliver me from clear skin and perfect teeth! 
I say you have to give up. 
I say evolve and let the chips fall where they may.

—Tyler Durden. Fight Club. 1999.

martes, 29 de abril de 2025

Kebab in Kufa

I had been in Iraq for about two months when I heard about an officer conducting an impromptu habit modification program in Kufa, a small city ninety miles south of the capital. He was an army major who had analyzed videotapes of recent riots and had identified a pattern: Violence was usually preceded by a crowd of Iraqis gathering in a plaza or other open space and, over the course of several hours, growing in size. Food vendors would show up, as well as spectators. Then, someone would throw a rock or a bottle and all hell would break loose.

When the major met with Kufa’s mayor, he made an odd request: Could they keep food vendors out of the plazas? Sure, the mayor said. A few weeks later, a small crowd gathered near the Masjid al-Kufa, or Great Mosque of Kufa. Throughout the afternoon, it grew in size. Some people started chanting angry slogans. Iraqi police, sensing trouble, radioed the base and asked U.S. troops to stand by. At dusk, the crowd started getting restless and hungry. People looked for the kebab sellers normally filling the plaza, but there were none to be found. The spectators left. The chanters became dispirited. By 8 P.M., everyone was gone.

When I visited the base near Kufa, I talked to the major. You wouldn’t necessarily think about a crowd’s dynamics in terms of habits, he told me. But he had spent his entire career getting drilled in the psychology of habit formation. In some sense, he said, a community was a giant collection of habits occurring among thousands of people that, depending on how they’re influenced, could result in violence or peace. In addition to removing the food vendors, he had launched dozens of different experiments in Kufa to influence residents’ habits. There hadn’t been a riot since he arrived. 

"Understanding habits is the most important thing I’ve learned in the army," the major told me. "It’s changed everything about how I see the world. You want to fall asleep fast and wake up feeling good? Pay attention to your nighttime patterns and what you automatically do when you get up. You want to make running easy? Create triggers to make it a routine. This is all we talk about in command meetings. Not one person in Kufa would have told me that we could influence crowds by taking away the kebab stands, but once you see everything as a bunch of habits, it’s like someone gave you a flashlight and a crowbar and you can get to work."

Reference:

Prologue. The power of habit. Charles Duhigg. 2012.

lunes, 28 de abril de 2025

Stomach Vacuum

Lying Stomach Vacuum

  1. Lay on your back, with your knees up in the air and feet planted on the ground.
  2. Round your back slightly, so your lower back is in contact with the ground. 
  3. Exhale, contracting your abdominals and feeling your belly button pull toward your back. 
  4. Hold for 5-15 seconds. Make sure to breathe normally during the exercise. If you have trouble breathing you may just be “sucking in,” rather than properly engaging your core. 
  5. Release. Repeat the exercise 4-5 times.

Hands and Knees 

  1. Get in a tabletop position with your hands and knees on the floor.
  2. Round your back slightly. 
  3. Exhale, pulling your belly button toward the ceiling. 
  4. Hold the position for 5-15 seconds, breathing normally. 
  5. Release. Repeat 4-5 times. 

Kneeling Ab Vacuum 

  1. Kneel, with your bottom rocked back and touching your heels.
  2. Exhale, pulling your belly button toward your back. 
  3. Hold for 5-15 seconds.
  4. Release. Repeat 4-5 times. 

Standing Ab Vacuum

  1. Stand with your feet hip-width apart. 
  2. Exhale, pulling your belly button toward the wall behind you. 
  3. Hold for 5-15 seconds. 
  4. Release. Repeat 4-5 times.

domingo, 27 de abril de 2025

How To Speak Like The 1% Elite

Natalie Dawson

  1. Stop speaking to be liked. Speak to lead. Mindset: I am a leader. Be certain of. 
  2. No emotions allowed. High emotion, low intelligence. Swayed based off of logic, based off of data. Never let your emotions override your message.
  3. Have authority. Don't speak more, speak with weight. Conversations, meetings have to matter. What is my target? Struggle with the most important point. Steer the conversation with clear confident delivery.
  4. Become a question master. Understand what really matters. In order to solve the most complicated problem you need to know what questions you need to ask to be able to make the best decisions to move on.
  5. Stop oversharing. Overexplain is a signal that you are not confident. Be direct. Don't seek validation. Show confidence.

sábado, 26 de abril de 2025

Origen de la ñ

La letra “eñe” representa un sonido que no existía en latín y que, sin embargo, encontramos en la mayoría de las lenguas romances (italiano, portugués, francés, castellano, etc.). Este sonido se define como nasal (con salida del aire por la nariz), palatal (la lengua se apoya contra el paladar duro) y sonoro (las cuerdas vocales vibran).

En el siglo IX los copistas y escribanos comenzaron a transcribir un sonido para el que no existía una letra propia. Para ahorrar tiempo, y, sobre todo, papel y tinta, era muy frecuente el uso de abreviaturas. La “nn” se abreviaba con una “n” con una vírgula o virgulilla encima, y así es cómo, por motivo de economía, nace la letra “ñ”. La reforma ortográfica de Alfonso X el Sabio, que buscaba establecer las primeras normas del castellano en el siglo XIII fue fundamental para fijar la “eñe” como única grafía para representar el sonido nasal palatal sonoro. Más tarde, la primera Gramática Castellana publicada por Antonio de Nebrija en 1492, reconoce el estatus de la “ñ” y de su sonido diferenciado respecto de la letra “n”.

La adopción de “ñ” como abreviatura de “nn” es la solución adoptada en castellano y gallego. En italiano y francés la palatalización nasal quedó representada por el dígrafo “gn”, otro de los grupos latinos que dio lugar al sonido. En catalán, se representa por el grupo “ny”, y en portugués, como en occitano, como “nh”.

viernes, 25 de abril de 2025

Justificación de elección de cuenta

El artículo 17 de la Ley de Tesorería de la Federación establece que las cuentas que conforman el Sistema de Cuenta Única de Tesorería, deben ser productivas y con las mejores condiciones para el Gobierno Federal. Es por ello que el oficio de solicitud para la apertura de una cuenta bancaria deberá contener la justificación de la elección de la institución de crédito en la que se pretenda aperturar la cuenta bancaria basada en un estudio de mercado, mismo que deberá contener el análisis de las instituciones de crédito, especificando las condiciones y beneficios que cada una ofrece, con la finalidad de que se seleccione de manera clara aquella institución que mejor responda a las necesidades operativas de la dependencia y entidad en cuestión, y que proporcione las mejores condiciones financieras para los recursos públicos.

Con este propósito, se deberá agregar una tabla con la comparación entre al menos tres instituciones bancarias, dentro de la cual se especifique la tasa de interés en promedio anual, comisiones. número de sucursales, regiones y servicios adicionales ofrecidos.

  1. Tasa anual
  2. Comisión
  3. Sucursales
  4. Regiones
  5. Adicionales