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#go crazy aa go stupid aa
fanghuas · 1 month
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by the way I know I'm clinical levels of insane about hanzhou at this point but like. I don't see how there's a way that this dynamic wasn't written as han ying being terminally in love with zhou zishu. like yes the cultural understanding of service and devotion to your benefactors but also look at the way shl circumvents and deconstructs that all the fucking time and builds nuanced relationships out of what on the surface level looks like servitude. wen kexing and gu xiang. wen kexing and luo fumeng. luo fumeng and liu qianqiao. and the flip side of these when the balance of authority and familiarity is abused-- zhao jing and xie wang, and jin wang and zhou zishu.
it's everywhere. it fits the pattern. it drives me up the wall.
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science-lings · 2 months
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AU where Phoenix is just slightly more spiritually sensitive so instead of just being able to hear Mia's ghost, he gets to hang out with his great great (x?) grandfather Ryuunosuke who imprinted on him the moment he decided to become a defense attorney for gay reasons.
Also if anyone could magically be there for Pheonix while Edgeworth is fake-dead it would be Ryuunosuke.
I'm also a staunch believer in both Phoenix and Ryuu having rough/distant relationships with their family so it's funny to think that the only biological family member you can stand is the one that haunts you and looks exactly like you if you time traveled and cut your hair unevenly with safety scissors.
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glassonlyrecycle · 3 months
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had the pleasure of attending a life drawing session w a friend - i forgot how much i missed charcoal (੭꒦ິ꒳꒦ີ)੭
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surunoita · 2 months
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i've been wandering (x)
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karda · 1 year
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i am so awesome, ive been having a big art moment for afew days now. doodling non stop!!!!!!! hru i hope ur doing very cool
hell ya ........ i am doing well ^_^👍
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carolinacoast · 6 months
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might go crazy might relapse tbh
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nireos · 10 months
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hi wheres the tag for my dnd campaign? the one only my friends and i know about?? whhjere can i see the images about it? and the.text posts??
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simonrillleyyysss · 11 days
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Sweetest🖤
I have an idea for you, hear me out right:
Guarddog!Simon x f!reader (nsfw) :
• Simon is a hybrid, ex-military/rehabilitated illegal fighting. He's just existing now with no home.
• Reader is antisocial, working girl but she wants company and protection.
• She goes to adopt a companion, did not expect taking Simon since he was left isolated for being difficult.
• She gives him independence outright despite what she adopted him for but he stays, she treats him like a being.
• Lowkey they're enemies to lovers because they're both the same, grumpy x grumpy- they take time.
You can develop that dynamic and add in the nsfw, I'm thinking Simon goes crazy knowing he's intine with the readers cycle so when ovulation time hits - fireworks are given.
Feel free to change this however you'd like 🥀
thank u 4 this!! absolutely inlove!!! longest i’ve written in ages >_<
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i feel like simon views himself as unloveable, unwanted and ruined goods;how could he not? he’s so easily irritable and snappy, always rude and unnecessarily passive-aggressive, he’d take up so much time in anyone’s schedule—let alone your own, originally, you weren’t signing up to be a free rehab program..you’re not an AA meeting for some mutt..
but, here you were.
he wasn’t ideal, but he would do. it took him centuries to get used to a life like this—free reign of his own path and livelihood, he wants to eat? go to the kitchen, sure. he wants to go for a walk? alright, be back soon. he’s like a baby going to nursery, he is timid but adapts.
clashing? always, he’s constantly starting you for something stupid and irrelevant, winding himself and you up.
“y’didn’t run me a bath today.”
“it’s not your bathtime, idiot.”
“well i want a fuckin’ bath.”
“well i want an actual fuckin’ pet.”
eventually ends up with you pushing(PS; trying to, he’s a rock.) him away from you while you tapped at the keys on the laptop, complaining about how you need to get this finished by tonight, shaking your head.
again, he cannot handle being pampered.
sometimes he’ll come and lay his head on your lap while glancing up at you, seemingly just to unwind and de-stress himself after something happened, and when you go to scratch his scalp? he’s snapping at you instinctively, listening to your yelp—reaching for his muzzle, has to mope around with it on all day. (he might’ve snapped on purpose, but he won’t admit that, will he?)
thing 1 and thing 2, you annoy him and he annoys you back, basically!
when he does eventually warm up to you and things like affection and gentle solidarity, he’ll soak it up.literally. sometimes you’ll just walk over to him, brush your hand over his hair and kiss the scar tracing the side of his scalp, he’ll just melt into you and attempt to follow you around all day, eventually draining your social and praise battery.
he does something nice? you call him a goodboy or goodman and he’s practically crushing you on the sofa that night, head burrowed comically in your chest like a pillow with his bushy tail wagging side to side. absolutely feeds off of your validation most of the time.
sometimes he’ll just walk up to you, lean down and place his head on your shoulder as if it’s a casual thing to do, you eventually begin to let him sleep in your room instead of your own if you’ve had a bad day.
“so annoying..”
“men suck.”
simon said, you sniffled, wiping your tears and engulfing your arms around the beast, listening to his low hums and embracing his gentle pecks to your cheek as if it were kisses from jesus himself. eventually, you begin to see him as more than a simple friend or companion.
it’s clear he feels the same, especially when he finds out you’re on your period and immediately tries to tug off your panties.. clearly, you had different ideas.
“no, simon—you’ll get grossed out.”
“instinct.”
“doesn’t mean you won’t get grossed out, it’s not like dogs.”
you have to coerce him not to mount you then and there, and to bugger off and do his own thing, his own thing is begging the tracking of your period on his phone.
when he finds out you’re ovulating? there’s no stopping this guy.
he’s hurriedly bending you over the kitchen table with his trousers bunched up around his thighs, cock springing free from his boxers.. wastes no time shoving himself inside, forcing the side of your face down onto the wood of the table, heavy balls slapping against the curve of your ass while you cunt enveloped him whole, lewd ‘plap’ sounds echoing throughout the newly cleaned kitchen..
bites down into your shoulder with his sharp canine, listening to your groan of complaint as your blade trickled crimson..your trembling digits rubbing quick circles on your aching clit—back arching into his free hand, which was now pushing you down further into the table, feeling you tighten around him..his tail wagging as he groaned out and spilled his cum inside of you, waiting for a few minutes before pulling himself out.
bedtime? folds you into a mating press, rutting into you like a rabid dog. (he, technically is, that rabid dog.) doesn’t stop till you’re squirting all over his abdomen and pleading for him that you’re already full enough.
“si—oh,i’m practicallymmmhh..practically overflowin’..”
“almost there..gonnafuckyoutillyourcarryin’..chhrriissttt-“
another load to add to your collection.
disappointed when he finds out you’re on birth control, not as disappointed when you find none in the container, just don’t check the bathroom..he didn’t have time to flush them yet.
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tordersauce · 5 months
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in my captain laserhawk era crazy aa go stupid aaa
love me a frog x man im DELUSIONAL for FROG X MAN
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tobiasdrake · 23 days
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AA 4-1, Turnabout Trump, is the best opening case in the history of Ace Attorney. Bar none.
(To be fair, 1-1 and 2-1 fucking spoil the killer for you in their opening cinematic because they think new players are stupid and 5-1... 5-1 makes me shake with homicidal fury at the shit it pulled. So the competition isn't very steep.)
4-1 had the unenviable task of breaking the audience in to a brand new status quo. Seven years after the events of the original trilogy, we have to introduce our new protagonist Apollo Justice. The easy way to do this would be to have Apollo sign up to work for Phoenix and then have Phoenix mentor him.
Screw you, let's get fucking crazy, PHOENIX IS A HOBO and his law career is DEAD. Oh, and he's not the mentor. He's the defendant. Buuuuut he's also still the mentor because he's smooth now.
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Incredibly bold of them to go this route. They had to have known that players weren't going to like this. Phoenix's law career ended in disgrace five minutes after Trials and Tribulations ended!? He's been fucking disbarred for seven years!? WHAT!?
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What do you mean he has a daughter!? What!?
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And she's a precious cinnamon roll!? What!?
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WHAT DO YOU MEAN SHE'S OLD ENOUGH TO DRIVE IT'S ONLY BEEN SEVEN YEARS YOU ARE FUCKING WITH ME NOW FOR FUN
This case took a sledgehammer to the Ace Attorney status quo. This was a huge gamble. People don't like it when you tell them that their favorite characters promptly got kicked in the nuts after the credits rolled last time. They like the idea that everything worked out and it was great. And they riot if you tell them otherwise.
Did it pay off? Uh.
In terms of reception? No. Everybody hates this game. It offended the AA fandom on a deep and visceral level.
But me, I love it. I think this kickstarted an interesting shift in the core identity of Ace Attorney. And the biggest mistake they made was going back on it.
And it starts here with this magnificent bastardry of a scheme.
Phoenix does fill in the mentorship role for Apollo in our Tutorial to Ace Attorney case, but it's... twisted. Because Apollo is apprenticing under a professional attorney and close personal friend of Phoenix's, Kristoph Gavin - But Phoenix has made the curious decision to request Apollo's representation over Kristoph's.
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That's not to say that Apollo's doing this entirely alone, as Gavin pitches in to lend his struggling protege some mentorship on the job.
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But that's the trick. Phoenix has, throughout his career, successfully identified murderers among various witnesses, two prosecutors, and two investigating cops. But this unique setup allows him to do battle with a defense attorney. His own defense attorney, at that.
(He hasn't had to pin down a judge yet but HO-HO he will get to that in two games' time!)
There's shades of 2-4 buried in 4-1. So much so that they even cite the main theme of Justice For All while they're at it.
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Literally what Justice For All is about. Dare I say... Apollo Justice for All?
2-4 fractured the relationship of trust that exists between attorney and client, that the trilogy is built upon. So much of the series is about believing in your client and giving your all to their defense, and 2-4 took a crowbar to that case by asking, "What if the client is untrustworthy?"
4-1 sets the stage for the new status quo by introducing the opposite question: What if the attorney is untrustworthy?
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This isn't the kind of question that an AA game asks. It's... unsettling, given the franchise's romanticized view of defense law. The notion leaves an ominous discontentment that can be difficult to place, and sets the stage for what will become known as the Dark Age of the Law.
And yet, this is the kind of over-the-top legal nonsense that can only emerge from the realm of Ace Attorney storytelling, which does not give a fuck. A murder has been committed with Phoenix in the crossfire, and he has successfully created a scenario where the killer is not only in the courtroom, but is defending him in court.
Well. His protege is, anyway. Phoenix was very careful not to allow his representation to fall directly into Kristoph's hands, after all. Instead, he takes Apollo under his own wing instead.
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What gets me about Phoenix and Kristoph's relationship is that Kristoph is genuine about wanting to help Phoenix.
We've seen plenty of murderer frame-ups throughout the series, and even one case of a murderer entering the courtroom as a defense attorney to ensure their fall-gal gets convicted.
Kristoph isn't planning that. Rather, he has a different target in mind that he can pin this murder to. His relationship with Phoenix is much too professionally valuable to let Phoenix go down like this.
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As with 2-4, we have a perfectly adequate suspect to accuse in the defendant's place. A reasonable case could be made for Olga Orly's complicity instead of Phoenix's. Phoenix could go free by letting the wrong person be convicted.
But he's going to shoot the moon instead.
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And he's going to do it, he's going to defeat the untrustworthy attorney, by putting his faith in a trustworthy attorney instead. The same way he defeated an untrustworthy client years ago.
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4-1 has met with some criticism for the way so much of this comes down to Phoenix vs. Kristoph, with Apollo relying so heavily on following Phoenix's breadcrumbs. But for me, that works fine. Phoenix can light the course but it still falls to Apollo to navigate it, and that works for me as Apollo's very first case in his career.
After all, Mia leaned on Diego plenty in her first case. And Phoenix leaned on Mia a lot throughout the entire original trilogy. This case serves as Apollo's introduction to the Wright method and its unconventional approach, as Phoenix makes sure that special attention is paid to the kind of small details that unraveled prosecutions in his own time.
Ultimately, Apollo is as much a part of this as Phoenix is. None of this would work without him. We see him torn between his mentor and his hero as Kristoph realizes what Phoenix intends, and the jaws of the trap begin to close around him.
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But ultimately, Kristoph's presence in this room leaves him cornered like a rat in a cage. Phoenix already saw to that.
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Thus, one mentorship is fractured beyond repair while another is forged in iron. Phoenix even finds a moment to squeeze in foreshadowing for the final confrontation in 4-4.
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This is such a fantastic introduction to the new status quo of post-timeskip Ace Attorney. It hints at the darkness inherent to the new world of law following Phoenix's disbarment, while also building the relationship between our next-generation hero and his predecessor, and serving it up alongside the maddest gambit ever to hit the courtroom of Ace Attorney.
And Also Payne is nearby but who gives a shit. XD
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The prosecutor is less relevant in this case than any other in AA history. He just stands there uselessly at his booth and watches Phoenix's masterpiece unfold.
That this helpless performance is Winston's swan song, to be replaced by Gaspen in future games, is just the icing on the cake. So long, Winston. You won't be missed.
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soft Bf! Amajiki Tamaki
Hi, been reading some fanfiction lately and honestly, I fell in love with Tamaki all over again. Isn’t there something comforting about soft men who look like they couldn't harm a fly but would go batshit crazy if someone hurts you? Been having kinda difficult time with family lately and just, want someone to put me first, is that too much to ask?? aaaaahhh!!!!
Contains mentions of reader being non-verbal because I wrote this for myself. So, don’t read if that makes you uncomfortable. As usual, contains kissing but mostly fluff! fluff!! loads of amajiki fluff!!!
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Tamaki who always intertwines one of his fingers with yours, wherever you go, comforted by touch.
Tamaki who flushes pink, hand pressed to his mouth to suppress an embarrassed sound every time you kiss his forehead
Tamaki who hugs you from behind and hides his face in your neck whenever the world becomes too much
Tamaki who leaves little notes for you, everywhere. You are going to patrol—there’s a note in your hero costume, have an exam? there is a note in your bag, wishing you luck. Just little things that he wishes he could tell you out loud, but always slips them into your pocket.
Tamaki who had to learn to cook to carter to his dietary needs, so when he discovers you truly enjoy eating and food? worry not. He loves cooking for you whenever he can, looking at you with rapt attention as you savor it, fondness coating his every move.
Tamaki who learns sign language for you, for the days you feel/are non-verbal.
Tamaki who tears up the first time you feel confident enough to talk to him, through stutters and bashful smiles.
Tamaki who’s hyperaware of your every movement, the taut, electric sensation like the gathering, building hum of a summer storm
Tamaki who looks so hopeful, so honest and raw when you first tell him you love him, for a moment you forget to breathe, remembering it suddenly with a startled need to inhale, as he meets that motion with a kiss, a desperate press of his lips against yours, following it with an assault on your throat, warm lips, hot tongue and the gentle pressure of teeth
Tamaki who kisses you just beneath your ear, your hands snaking up his chest, running along his neck to the base of his skull.
Tamaki who trades intimacies and whispered confessions against your lips, who makes lovely, whining noises whenever you pull away from a kiss to breathe.
Tamaki who loves it when you casually hug him, who loves conversations held against your curls, hands holding your waist, fingers trailing spines, who loves the easy, almost casual touches with you, only you.
Tamaki who is always at his calmest, most at ease when he is with you, who is almost criminally happy whenever he’s with you, who loved few sounds on this earth as much as he enjoyed the sound of your laugh
Tamaki who loves lazy mornings with you, carrying you out of bed as you cuddled on the couch with your cats.
Tamaki who loves when your fingers wander his chest in playful exploration, just Tamaki who loves you so much, the word itself falls short of everything he feels for you
Tamaki who realizes he loves you when you fall asleep on his shoulder, listening to one of his playlists, drooling, so at ease that love for you courses like a wildfire through his veins, burning up his bones and reducing him to ash.
Tamaki realizes he loves you when you are jostled awake by Nejire, when you make embarrassed choking noises as you realize you just drooled on your crush like a dog, when you look at him with that stupid, beautiful smile plastered on your face, “Aa-a-majiki kun-- gomennasai! Kore” you stutter, shoving a chocolate bar at him in apology.
just, bf! Tamaki who loves you and pampers you.
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u3pxx · 1 year
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are you open to getting klapollo fanfic recommendations?
and, do you have any recommendations?
yea! can't guarantee i'll read em right away bc im busy rn and also very bad at starting things wheezes
but for uhh klapolly fic recommendations
hot for justice
After the events of State v. Misham, Klavier finds himself in a slump, stressed at the prosecutor's office and unable to pen new songs. To his surprise, he finds creative inspiration—and unexpected feelings—spending time with Apollo. Now if only he could release the new tracks without raising any suspicion as to whom his love songs are for.
THIS ONE. GOD THIS ONE STILL MAKES ME GO CRAZY STUPID. without revealing too much the confession scene is replaying in my head forever and ever and RED VELVET CAKE.
stupid cupid
In which Klavier botches his attempt to confess his feelings to Apollo, and somehow instead sends the entirely wrong message that he's already involved with someone else--a certain brooding and hawkish prosecutor, of all people. Cue the clown music.
KRISSEY WROTE THIS AND I DREW FOR IT FOR THE KLAPOLLY MINIBANG BACK IN 2021!!!! GODD this fic is SOOO funny and so silly but then it gut-punches you with the sweetness of it all???? and now you're crying??? huwh?!?!?!?!
snatching closure from the jaws of chaos
Kristoph Gavin appeals his conviction on the grounds of a gross miscarriage of justice, arguing bias and conspiracy, and requesting an acquittal or, in the alternative, a new trial which would allow the introduction of fresh evidence. The three people most impacted by his actions spin their wheels, unable to affect anything, desperate to do something.
Apollo Justice has issues.
Trucy Wright is tired of change.
Klavier Gavin has a crush.
HEY THERE PAL, DO YOU LIKE TRUCY WRIGHT BEING WRITTEN REALLY WELL? OR ANY AA CHARACTER FOR THAT MATTER??
DO YOU ENJOY CRINGEFAIL KLAVIER ABSOLUTELY THIRSTING FOR APOLLO? DO YOU LIKE A REALLY WELL WRITTEN STORY THAT HAS ONE OF MY FAVORITE SIBLING REVEALS OF ALL TIME????
READ INGRID'S FIC. HELL READ ALL OF HER STUFF. THIS IS A COMMAND /LH
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virgilisspidey · 1 year
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About your Sonic Prime prompt
Since now there is a version of Sonic in this universe, because the original went back to his. Consider also Shadow exists now
YOU DO NOT KNOW HOW FREGIN READY I WAS FOR THIS ASK
His name is Shade (not originally) and he's a robot.
He's actually The Chaos Council's most prized creation until he broke out of his programming (He's kinda like Metal Sonic in a way)
He was made to handle the energy of the red prism shard, but that shard sort of made him feel something, the same way the shards made the others a bit crazy.
He went rouge one day after he successfully invaded the rebel's hideout by himself to prove his worth because he was about to be replaced by Rusty Rose, their recent recruit.
When he saw the palm tree he kind of just...
Stopped.
And from then on, it was hard to make him follow orders, he's so fascinated by that palm tree to the point he betrays the council.
But he was damaged real bad by Rusty Rose before he can even escape.
He became this sort of Shade of Hope in the war against the council, he's a silent helper and he helped turn the tides in the shadows.
Since there is mo Maria to motivate him and possibly no alien guys and no motivation to make an ultimate lifeform from, he's a robot made to imitate a mobian as this soet of sick joke like, seeing an image of one of their own being used against them? That's gonna stroke fear (more so when they obtained Rusty)
Like Shadow tho, he does get the robot version of an amnesia in this when the Chaos Council runs off. They started using him again because Rusty Rose isn't in their control anymore. So he became evil again.
Until he meets Sonic... Or Kinetic, the guy that powers his battery.
It kickstarted the whole going rouge thing again because seeing him reminds him of the mobians that wanted to bring back the palm trees.
Of course he's still as grumpy as ever, instead of a rivalry with Kinetic, he has a rivalry with Rusty. These two do not like each other. The more Rusty's original personality came back to her, the more she views her little fights with Shade aa something silly, Shade refuses to let his fights be called silly.
He can't speak, he wasn't programmed to, and because of that, if one of the guys did something stupid his first instinct is to want to punch and/or shake them really hard.
Tbh i find it fitting he's a grumpy little robot, plus we need some more amy and shadow interactions.
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ranboo5 · 2 years
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The world around Leaderboards breathes.
Breathing with it does not hurt.
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The Beginner’s Guide, 2015 // Sanctuary + Fellowship Hall, Terrytown // Brian Magnier
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My @mcytblraufest gift for @moonblanche !!!!!
So sorry for posting so close to the deadline; I was hit with some unexpected delays ^^” Anyway, I saw that you were one of my five fellow MCSR askers and also that you were partial to Tubbo, so...
Well, then I got a little carried away.
I hope you like it!! I had a TON of fun concepting, drawing for, and assembling this, and I ended up making a lot of art I’m quite proud of. I am saur happy with how my varying runner designs turned out in these I truly am
Continuations for the cut off transcripts of writing and some more (extremely rambling) commentary under the cut!
...with a much steeper time than what’s pictured.
...doesn’t come from fear. It can’t come from fear.
So the premise of this AU if it isn’t obvious is that Tubbo is isekai’d into the distributed society of the basically-monk-order of speedrunners loosely organized around Leaderboards, the closest thing there is to an authority, and over the course of his Wacky Adventures, Tubbo learns that meaningful striving for improvement and being part of something larger than yourself doesn’t have to hurt. After meeting Pres. Poundcake, who carries the title (a title Tubbo obviously associates a lot of baggage with) like it’s nothing – because, of course, in the world around Leaderboards it basically is – and learning that neither that title nor the man’s visions can help him orient himself, Tubbo goes to investigate this supposed central hub, only to find that it’s supposedly slow and outdated. Tubbo drifts around trying to decipher how these Verifiers deal with this backlog until he ends up hanging out with Feinberg, undisputed king of AA, who appears at first glance to be doing something Tubbo is familiar with the concept of – securing his supremacy with ever-escalating shows of domination. But one way or the other it turns out the drive isn’t fear. Tubbo has an answer about the meaning of Leaderboards’ apparent hierarchy, buzzing in his hands like a crumbling trident full of lightning.
He doesn’t know what to make of it.
Couriway helps, though. Back from a short-lived excursion into a survival world and one thousand runs that would never make the top of Leaderboards’ towers like his runs once did. Achievement is a strange thing. To make and to improve is a strange thing. To be part of something stranger yet. The brutality of it that Tubbo has known is not the default. There is something more to it, and it is in that that one can at once not be alone and not be consumed.
And, well, the world around Leaderboards breathes, and breathing with it does not hurt.
Drawing these was an Experience Ever. I might upload the timelapse later or something because Jesus Christ I spent 30 years on some of these...
I actually drew them in reverse order from how they appear! I had a lot of trouble getting a clear image for the first one with Pres. Poundcake, and the last one was conversely extremely vivid for me, so I just went ham. It was a pretty simple concept, and I wanted to capture a Feeling, so I decided to go crazy go stupid on painting it, which took easily longer than both the other two put together but ended up alright! Rendering all those trees was worth it lmao
It also helped me figure out what I wanted to do with the others – I tried to compose these so that Tubbo and the runner he’s drawn with would have, like, a diagonal progression down the page. I don’t know how well it comes across but I did it which I’m counting as a win
The second one I easily spent the least time on the environment of but I got to have one of my favorite designs be the star of the show. It was also very much the most fun to light and I’m quite happy with how it ended up! This one had to be dynamically lined in contrast to the Couriway one’s painting, which was mostly a lovely time except for the lightning... worth it however. This is the best my Fein design has ever looked I must say; I hope everyone understands now when I say FEINBERG MANTIS SHRIMP MECHA AGENDA WILL NEVER DIE
The one with Poundcake I had to do in, basically, crunch time (due to aforesaid delays), so I couldn’t spend 30 years lining and coloring it, and from the start it was always planned to be the least ambitious image anyway, but nevertheless I wanted to make it look nice/special and interesting to look at. I’ve come to quite like Pres. Poundcake as a streamer in the past little while and I wanted to have the drawing with his fictionalized avatar be fun, yk? So to compromise this out I decided to experiment a little and go with this picture-book vibe. I had some fun with the brushes, and since Pres. Poundcake is Tubbo’s introduction to the world, I paid the most attention to actually drawing an interesting environment for this one, too, or trying to lmao
I have talked for much too long but you must understand I tryharded this ridiculously hard so I have a lot to say dhsfdhjfjsdfh
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karda · 2 years
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hey! its the same anon where i asked if ppl could use ur art 4 pfps, i wanted 2 use ur winged wilbur fanart if that was ok! the "a sleepy wilbur :]" one
ya sure! ty for asking ^_____^
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wack-ashimself · 2 years
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2008 Financial crisis dumbed down.
Watched 'The Big Short' (again), and I wanted to sum it up for people who didn't get it (cuz I did NOT the first time around).
About 2 years-ish before this all went down, a super smart guy noticed inconsistencies in what the banks AND (eventually) the government claimed about subprime (another word for weaker credit) home loans. He noticed that the weakest that were most likely to default were packaged up so they seemed more appealing, but they were way worse than the government was rating them at (in the movie, rating approval standards and practices lady basically says if we do not give them good ratings, they'll <the banks> just go down the street to a competitor, which is NOT something you want said by a government sanctioned organization.) The banks & the raters were approving everyone cuz it made them money right then and there. Both the banks and the rating's agency which answered to the government. That means THREE different organizations set up the dominoes. Big banks, the ratings board, and the government for not keeping either in check. Maybe not knocked them down, but set them up.
The smart guy realized: the lower ones rated we will call them a C, were actually closer to E's, and thus, also brought down everything above them. AAA goes to A. AA to C. Etc. (something like that). Loss of rating, loss of money. But with the banks getting higher ratings, they would look like they had stronger assets. Thus more money. More to wager. And how did they inflate this? The casino. They took those low level packages, and took bets on if they would rise or fall. THEN they took bets on THAT bet. Seriously; it is as fucking stupid and crazy as it sounds. As the movie said, it's highly complex and hard to understand BECAUSE they want you to feel like they're the only ones who can operate/navigate it. They make it difficult so you have to come to them.
So smart guy (and a few others) convinced the banks to do the stupidest thing I have ever heard: the banks created this whole new thing for them in which they bet, HARD, that these super low level home mortgage packages would utterly fail (and some mid/top level. Because remember, if the bottom falls out, everything above is then lowered. So you can bet on all of it going down, which is what happened.) Like 25 to 1 odds. And it did take 2 years, but eventually, it did fall, and create new billionaires.
The movie exaggerated a lot, but some of the main themes are:
1-the bankers NEVER cared if they failed cuz they ALWAYS knew they were 'too big to fail' (to which I've always replied: Should have failed. And gone to the locals.)
2-the bankers were not SMART, just greedy and careless.
3-banks are casinos. I mean, the complexity yet stupidity of that whole betting scheme. And then creating a WHOLE NEW casino game without checking the odds? Geez. The House lost. Banks should not be able to gamble with YOUR livelihoods. Clearly, they have nothing to lose, but WE DO!
4-Banks do control the government. Probably the federal reserve too. That's never discussed.
5-Again, how much money was lost AND created from NOTHING but...bets? That is creating nothing.
6-The movie said a fact (I think) that fucks with my head. 2 of the younger ones just got good news about their bet. Cheering, dancing, etc. Brad Pitt's character gets PISSED, and tells them to stop it. He points how many lives are going to be ruined. Jobs lost. Homelessness. Then says 'Did you know for every 1% in the rise of unemployment, 40,000 people die?' WHAT!? Everything should be locally owned and controlled. Every business worker owned. FUCK that shit.
7-The government changed nothing to stop this from happening again. IMO-about to drop hard, same way, but with student loans and car loans. I know more people who have car loans than house loans...you think they learned? Fuck no. It's a casino, and they will never stop playing the game till we check if their games are rigged (they are.)
8-When this all started to fall apart, the shady thing banks did was take these worst of the worst low level packages, sell them off, THEN report the actual numbers they were rated at, fucking whoever just bought them. AND they initially refused payout on the MASSIVE bets they just lost until they could get the money.
I just...what bugged me was for how many people placing billions on the line, losing multi millions in losses in the 2 years till it actually occurred, why NONE of the banks looked into these people's backgrounds, histories, etc? Like, if a guy comes up to me and says 'I want to give you money for two years on a stupid ass bet', if that same guy got stupid rich predicting the market, HE FUCKING KNOWS SOMETHING. Intentional negligence.
Solid movie. A little showy in places it didn't need to be. But I think I just dumbed down banking for you, and we are dumb for allowing this to continue to exist. If we bailed them out, we own em'. That's it.
tl;dr: the banks acted LITERALLY like casinos, and lost big. So the USA government bailed them out and the banks KNEW it was going to happen which is why they could operate like a casino. And still do.
Update. 1-here's the best scene to sum up their scam part 1 (taking bets on their low levels rising/falling, and bets on THOSE bets). This is what started everything. The ratings technically did, but this made that 10x worse.
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part 2 on how standards and practices rigged the ratings:
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and finally part 3 explaining how it set up, and how to bet against the banks.
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ps-fun note. I forgot a HUGE bombshell they GLOSS over practically. Absolutely NO LAWS saying you can't go work at a big bank after working in standard's and practices. In other words, you give them good ratings, they give you a couchy job 5 years later with a stupid big bonus. EVERYTHING IS CORRUPT! But it makes sense. If you run the country and have inside info, you can still operate in the stock market...it's a big circle jerk.
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