Mark Virag
@ViragConsulting
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My interests are Automotive F&I (both), Machine Learning, and Digital Retail. #DigitalTransformation #AI
North Dallas
Joined August 2015
You know how, when you're training a binary classifier, you get a good ROC score but then you still have to set the threshold value? Well, I wrote a handy dashboard for doing that, and I've released the code. Instructions are on my blog. https://t.co/Emz6rIxOeV
#MachineLearning
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Twenty years after the consent decree and Microsoft is still pulling this shit. I can not move to Linux fast enough. $MSFT
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Auto dealerships improved their finance and insurance performance during the third quarter, adding an average $1,933 in back-end gross profit to every deal, according to StoneEagle.
autonews.com
StoneEagle reports dealerships averaged $1,933 in third-quarter F&I gross per vehicle. CEO Cindy Allen said F&I gross gave stores room to keep deals affordable.
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Some good tips in this thread about defining "persona" when querying an LLM. To avoid various skews, don't identify yourself as the author or the audience, and don't ask the LLM for its personal opinion.
Don't think of LLMs as entities but as simulators. For example, when exploring a topic, don't ask: "What do you think about xyz"? There is no "you". Next time try: "What would be a good group of people to explore xyz? What would they say?" The LLM can channel/simulate many
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Carvana joins the S&P 500. Wish I had bought last week... $CVNA https://t.co/Kxp66xuAaZ
reuters.com
Carvana, the pioneering online used-car dealer known for its iconic car vending machines, is set to make a splashy debut on the S&P 500 index, capping a dramatic three-year turnaround that has seen...
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Passengers can have their images, voices, and even biometrics swept up by default, an uncharted legal territory, with serious implications for consent and wiretapping laws. https://t.co/ITUsxvRV9w
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Here's a twist. We thought AI was going to help detect fraud, but it turns out the fraud guys can use AI too (and they're winning). https://t.co/RgpQ62dw8A
autofinancenews.net
AI-assisted fraud rings are contributing to a rise in losses at financial institutions such as credit unions.
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The Encor Series 1. Fully revealed. A respectful continuation of an automotive icon. Carbon fibre bodywork, twin-turbo V8 power, manual transmission and hydraulic steering – all engineered with restraint and intent. Limited to 50 bespoke commissions.
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Does your company have a crisis-designation system? What the hell kind of management is that? "Oh, I can't do lunch today because we're at DEFCON 3."
THE FALL December 1, 2025: Sam Altman declares Code Red at OpenAI. Three years after triggering the same alarm at Google, the hunter became the hunted. The numbers tell the story no one wants to hear: Gemini 3 GPQA Diamond: 91.9% GPT-5: 85.7% Humanity’s Last Exam: Gemini:
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The Toyota Helux Champ will soon be on the American market! It’s a light-duty, basic pickup truck that will likely sell for less than $20k. Until today, U.S. regulations made it impossible to sell in our markets.
President Trump announces that he approves the production of an ultra-compact Truck, which wasn't previously allowed in America due to government overreach
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"So, what did you accomplish at your last job?" "Well, I cratered sales by two orders of magnitude."
GO WOKE, GO BROKE: Gerry McGovern, Jaguar's Chief Creative Officer, who oversaw the brand's 2024 rebrand featuring diverse, androgynous models has been fired. Jaguar's sales fell 97.5% in April 2025 to just 49 vehicles.
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Just got a new GPU and discovered TF no longer supports native Windows development. Fortunately, most of my code uses Keras, so I can switch the backend to Torch.
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I was today years old when Grok told me (!) to start checkpointing my Keras programs:
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Thorough financial analysis by Shanaka here, and persuasive comparison to Enron. What really kills me, though, is management doing stock buybacks at the absolute top. 💀💀💀 https://t.co/nn2zN8Csjm $NVDA
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Ford and Amazon have teamed up to offer certified pre-owned Ford vehicles for online browsing, financing, and purchase through Amazon Autos, which illustrates a notable advancement in digital car shopping.
cbtnews.com
Ford & Amazon teamed up to offer certified pre-owned (CPO) Ford vehicles for online browsing, financing, and purchase through Amazon Autos
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All three major platforms are now under one roof: the old SCS system, by way of FIAS, which SE was sunsetting; the newish SE Admin platform; and the "classic" PCRS. It will be interesting to see how PCMI manages them.
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PCMI acquires the admin software business of Stone Eagle. That's effectively a monopoly. This should be interesting. https://t.co/NdA9hWNVcZ
pcmicorp.com
PCMI acquires StoneEagle’s Enterprise Solutions Business Unit, expanding its administration technology and strengthening the PCRS platform.
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In the not-too-distant future, quantum computers will be able to break the security on some of our favorite things, like: the internet, the cloud, bitcoin, identity servers, satellites, your local network, and email. Have a nice day. 🙂 https://t.co/Knk5aY5MpT
viragconsulting.blog
Information security people are worried about Q-Day, and maybe not worried enough. That’s the date when quantum computing will render today’s encryption methods obsolete. Information security depen…
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As if I didn't hate touchscreens enough, now some genius has decided to show advertisements on them. I swear my next car is going to be 2002 Land Cruiser.
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