ash's not hero

如果未於每月繳款截止日前繳足當期最低應繳金額或遲誤繳款，除應計付循環利息外，台灣的發卡銀行(issuer)一般都會加收違約金。
比較佛心的銀行，打通電話給客服說明原因後往往可以減免(次數不一定)。
金管會100年2月9日金管銀票字第10040000140號令也已規定，持卡人「當期帳單應繳總金額」為TWD 1,000元以下者，銀行不得收取違約金。
但有些發卡銀行的收費就是比較強硬，甚至還有些眉眉角角的地方向持卡人收費。
這種業配看不到的東西，遇到一次就會讓人非常不爽。
如果遇到這種發卡銀行，我建議趕快剪掉吧!!~
#不定期更新

在使用Suno創作時，常常會需要嘗試不同的音樂風格，故參考網路資料整理記錄。
(歌手中文譯名盡量貼近台灣習慣，如有更好的建議歡迎提供。)
AC/DC: Hard Rock, Stomp
愛黛兒(Adele): Soul, Emotional, Torch-Lounge, female vocals
史密斯飛船(Aerosmith): Rock, Hard Rock, Classic
Alabama Shakes: Rock, Blues Rock, Soulful
愛麗絲囚徒(Alice in Chains): Grunge, Dark, Melodic
艾美·懷絲(Amy Winehouse): Soul, Jazz, Torch-Lounge, female vocals
艾費克斯雙胞胎(Aphex Twin): IDM, Electronic, Experimental, male vocals
北極潑猴(Arctic Monkeys): Indie Rock, Garage, Cool
艾瑞莎·弗蘭克林(Aretha Franklin): Soul, Gospel, Powerful, female vocals
Ariana Grande: Pop, Dance Pop, Ethereal, female vocals
Avicii: EDM, Melodic, Euphoric, male vocals
碧昂絲(Beyoncé): RnB, Anthemic, Danceable, female vocals
怪奇比莉(Billie Eilish): Pop, Dark, Minimal, female vocals
比利·喬(Billy Joel): Pop, Rock, Storytelling, male vocals
Björk: Alternative, Experimental, Unusual, female vocals
Black Sabbath: Heavy Metal, Doom
Blink-182: emo pop rock, male vocals
Boards of Canada: IDM, Downtempo, Nostalgic
巴布·狄倫(Bob Dylan): Folk, Storytelling, Acoustic Guitar, male vocals
巴布·馬利(Bob Marley): Reggae, Peaceful, Soulful, male vocals
美好冬季樂團(Bon Iver): Indie Folk, Ethereal, Intimate, male vocals
邦·喬飛(Bon Jovi): Rock, Anthem, Stadium
Bonobo: Downtempo, Electronic, Ambient
Brittany Howard: Rock, Soul, Powerful, female vocals
Brockhampton: HipHop, Alternative, Collective
火星人布魯諾(Bruno Mars): Funk, Dance Pop, Groovy, male vocals
Burial: Dubstep, Ambient, Mysterious
凱文·哈里斯(Calvin Harris): EDM, Dance, Festive, male vocals
卡蜜拉·卡貝羅(Camila Cabello): Pop, Latin Jazz, Festive, female vocals
卡蒂·B(Cardi B): Rap, Aggressive, Party, female vocals
Caribou: Electronic, Psychedelic, Dance
唐納·葛洛佛(Childish Gambino): HipHop, Funk, Thoughtful, male vocals
酷玩樂團(Coldplay): Alternative Rock, Atmospheric
傻瓜龐克(Daft Punk): Electronic, Dance, Futuristic
大衛·鮑伊(David Bowie): 70s British Rock, Art, Eclectic, male vocals
鼠來寶(Deadmau5): Electronic, House, Progressive
桃莉·巴頓(Dolly Parton): Country, Storytelling, female vocals
德瑞克(Drake): HipHop, Trap, male vocals
杜娃·黎波(Dua Lipa): Disco, Dance Pop, Groovy, female vocals
紅髮艾德(Ed Sheeran): Folk, Acoustic Guitar, male vocals
艾爾頓·強(Elton John): Piano Pop Rock, Theatrical, male vocals
貓王(Elvis Presley): 50s Rock, Hero Theme, male vocals
Empire of the Sun: Electronic, Pop, Theatrical
恩雅(Enya): New Age, Ethereal, Calm, female vocals
FKA Twigs: RnB, Electronic, Avant-Garde, female vocals
佛利伍麥克(Fleetwood Mac): Classic Rock, Mellifluous
芙蘿倫絲機進份子(Florence + The Machine): Indie Rock, Dramatic, Ethereal
Flying Lotus: Electronic, Experimental HipHop, Fusion, male vocals
Foo Fighters: Rock, Alternative, Energetic
Four Tet: Electronic, Ambient, Textural
法蘭克海洋(Frank Ocean): RnB, Soulful, Introspective, male vocals
法蘭克·辛納屈(Frank Sinatra): 1940s big band, Lounge Singer, male vocals
Gary Clark Jr.: Blues Rock, Soulful, Gritty, male vocals
創世紀樂團(Genesis): Rock, Progressive, Art
易碎動物(Glass Animals): Psychedelic Pop, Groovy, Eclectic
街頭霸王(Gorillaz): Alternative Rock, Electronic, Unusual
年輕歲月(Green Day): Punk Rock, Aggressive, Youthful
Grimes: Art Pop, Electronic, Experimental, female vocals
哈利·史泰爾斯(Harry Styles): Pop, Rock, Groovy, male vocals
謎幻樂團(Imagine Dragons): Rock, Anthemic, Emotion
鐵娘子樂團(Iron Maiden): Heavy Metal, Epic, Theatrical
J Dilla: HipHop, Soulful, Experimental, male vocals
傑克·懷特(Jack White): Rock, Blues, Raw, male vocals
James Blake: Electronic, Soul, Minimalist, male vocals
Jamie xx: Electronic, House, Minimal
賈奈兒·夢內(Janelle Monáe): Funk, RnB, Sci-Fi, female vocals
珍妮絲·賈普林(Janis Joplin): Rock, Blues Rock, Raw Emotion, female vocals
傑斯(Jay-Z): HipHop, Aggressive, Storytelling, male vocals
吉米·亨德里克斯(Jimi Hendrix): Rock, Psychedelic, Guitar Virtuoso, male vocals
猶大祭司(Judas Priest): Heavy Metal, Power, Leather
小賈斯汀(Justin Bieber): Pop, Danceable, Chillwave, male vocals
凱西·瑪絲葛蕾芙(Kacey Musgraves): Country, Pop, Mellifluous, female vocals
Kamasi Washington: Jazz, Fusion, Epic, male vocals
肯伊·威斯特(Kanye West): HipHop, Progressive, Eclectic, male vocals
凱蒂·佩芮(Katy Perry): Pop, Glitter, Festive, female vocals
肯卓克·拉瑪(Kendrick Lamar): HipHop, Conscious, Lyrical, Storytelling, male vocals
里昂王族(Kings of Leon): Rock, Emotional, Raw
女神卡卡(Lady Gaga): Pop, Theatrical, Dance, female vocals
拉娜·德芮(Lana Del Rey): Pop, Sadcore, Cinematic, female vocals
齊柏林飛船(Led Zeppelin): Hard Rock, Blues Rock, Epic
Leon Bridges: Soul, RnB, Retro, male vocals
聯合公園(Linkin Park): Rock, Nu Metal, Emotional
麗珠(Lizzo): Pop, Funk, Empowering, female vocals
Mac DeMarco: Indie Pop, Slacker Rock, Chill, male vocals
瑪丹娜(Madonna): Dance Pop, High-NRG, female vocals
魔力紅(Maroon 5): Pop Rock, Danceable, male vocals
棉花糖(Marshmello): EDM, Dance, Happy
Massive Attack: Trip Hop, Dark, Atmospheric
Metallica: Heavy Metal, Power
MF DOOM: HipHop, Abstract, Lyrical, male vocals
MGMT: Psychedelic Pop, Electronic, Playful
麥可·傑克森(Michael Jackson): 80s Pop, Dance, Iconic, male vocals
Miley Cyrus: Pop, Rock, Party, female vocals
Motorhead: Heavy Metal, Rock’n’Roll, Aggressive
謬思合唱團(Muse): Rock, Progressive, Theatrical
Nicki Minaj: Rap, Danceable, Bold, female vocals
Nicolas Jaar: Electronic, Experimental, Atmospheric, male vocals
Nirvana: Grunge, Dark, Raw, Male Vocals
奧茲·奧斯本(Ozzy Osbourne): Heavy Metal, Dark, Theatrical, male vocals
Pearl Jam: Grunge, Rock, Emotional
菲爾·柯林斯(Phil Collins): Pop, Rock, Emotional, soundtrack, male vocals
Phoebe Bridgers: Bedroom, grungegaze, catchy, psychedelic, acoustic tape recording, female vocals
Pink Floyd: Rock, Progressive, Atmospheric
Portishead: Trip Hop, Dark, Cinematic
Portugal, The Man: Alternative Rock, Psychedelic, Catchy
巨星·馬龍(Post Malone): Rap, Ethereal, Ambient, male vocals
王子(Prince): Funk, Eclectic, Glam, male vocals
皇后樂團(Queen): Rock, Operatic, Theatrical, Male Vocals
電台司令(Radiohead): Alternative Rock, Experimental, Atmospheric
Rage Against the Machine: Rap Metal, Political, Aggressive
嗆辣紅椒合唱團(Red Hot Chili Peppers): Funk Rock, Stadium, heavy drums
蕾哈娜(Rihanna): RnB, Dance Pop, Festive, female vocals
Rufus Du Sol: Electronic, Dance, Atmospheric
Sam Smith: Soul, Emotional, Lounge, male vocals
夏奇拉(Shakira): Latin, Dance Pop, Festive, female vocals
Sigur Rós: Post-Rock, Ethereal, Atmospheric, Icelandic
Skrillex: Dubstep, Electronic, Intense, male vocals
Slayer: Thrash Metal, Aggressive, Dark
史努比狗狗(Snoop Dogg): Rap, Funk, Chill, male vocals
Solange: RnB, Soul, Artistic, female vocals
Soundgarden: 90s Grunge, Heavy, Dark
St. Vincent: Art Rock, Eclectic, Unusual, female vocals
史提夫·汪達(Stevie Wonder): Soul, Funk, Joyful, male vocals
Sufjan Stevens: Indie Folk, Baroque Pop, Intimate, male vocals
System of a Down: Metal, Political, Eccentric
詩莎(SZA): RnB, Neo Soul, Emotional, female vocals
Tame Impala: Psychedelic Rock, Dreamy, Mellifluous
泰勒絲(Taylor Swift): Pop, Alternative Folk, Emotional, female vocals
披頭四樂團(The Beatles): 60s British Pop, Classic, Rock
老菸槍雙人組(The Chainsmokers): EDM, Dance, Party
門戶合唱團(The Doors): Rock, Psychedelic, Mysterious
老鷹合唱團(The Eagles): Rock, Country Rock, Harmonious
殺手樂隊(The Killers): Rock, Synthpop, Anthemic, male vocals
The National: Indie Rock, Melancholy, Introspective
滾石樂隊(The Rolling Stones): Rock, Blues Rock, Classic
鼓擊樂團(The Strokes): Indie Rock, Cool, Raw
The War on Drugs: Indie Rock, Heartland Rock, Melodic
The Weeknd: RnB, Dark, Cinematic, male vocals
何許人合唱團(The Who): Rock, Hard Rock, Theatrical
The XX: Indie Pop, Minimal, Atmospheric
Thundercat: Funk, Jazz, Experimental, male vocals
提姆·麥克羅(Tim McGraw): Country, Americana, male vocals
Tool: Progressive Metal, Dark, Complex
Tyler, The Creator: HipHop, Eclectic, Unusual, male vocals
Vampire Weekend: Indie Rock, Eclectic, Upbeat
惠妮·休斯頓(Whitney Houston): Pop, RnB, Emotional, female vocals
捷德(Zedd): EDM, Dance Pop, Energetic, male vocals

資料來源:Medium-Complete List of Prompts & Styles for Suno AI Music (2024)

這幾年，韓國年輕女性從三拋(戀愛、結婚、生子)，已逐漸過度到了4B時代。
4B，是一場激進的女權主義運動，據稱於2019年起源於韓國。
其支持者放棄與男性約會、結婚、性關係和生孩子。
(也有資料說不限定女性，但多是指異性戀拒絕婚姻、生育、浪漫和性關係。)

這是一部2018年上映的電影，我是因為聽到黃致豪律師在《法客心法影劇組》S5E03討論到同樣是蕭雅全導演的《老狐狸》時感到興趣，所以才找出來觀看的，整部片看了三天才看完。
第一天大概只看了9分鐘，第二天也大概看了10分鐘，第三天則是用1.2倍數看完後，因為有些部分感到好奇，所以爬了些影評，又再用原始速度翻看了幾個片段。
先下結論：是一部好片，適合五六七年級的華人男性觀看，八九年級的我就不確定了。
本篇是讀後筆記，會有劇透，建議先看過影片再往下觀看。

IMDB:JOJO的奇妙冒險：不滅鑽石(2017)
Director: 三池崇史
Stars: 山田孝之, 山崎賢人, 新田真劍佑, 伊勢谷友介, 神木隆之介, 岡田將生, 小松菜奈


滿有意思的的一部片。據說是在西班牙東北海岸的錫切斯(Sitges)拍攝，有美。
除了演員本生的角色揣摩非常鮮活立體，特效也不錯。
雖然承太郎剛出場的時候會覺得演員年紀太大，但瘋狂鑽石跟白金之星對手的部分還是讓人感到興奮。
看了NETFLIX的《ONE PIECE》後再來看這部的新田真劍佑，觀感也非常有趣。
山田孝之的部分稍嫌可惜，拿小丑這種知名角色來對比片桐安十郎(又稱安傑羅)，角色的深度差太多，而過分遮掩角色也讓很多分鏡都覺得沒必要。

最後，感覺得出有想要拍下一部的企圖，也很期待小松菜奈的部分，但期待下一部不如期待NETFLIX吧。
也推一下動畫喔。

SA: 鴻聯國際-這絕對已經被附身了！《JOJO的奇妙冒險 不滅鑽石》超惡殺人狂竟然是「他」？

DEI（多元、平等、共融）是一個傘式術語，職場通常是指專門負責推動多元共融的部門，目標是促進所有人都能被公平對待並充分參與。
包含以下三大概念：
多元(Diversity)：重視員工身分、文化、經驗、專業技能的多元性，並確保各種族群都有代表性。
平等(Equity)：確保員工獲得平等的待遇，並移除可能限制員工成長的障礙。
共融(Inclusion)：營造員工能感受到歸屬感的環境，並感受到自己受到重視。

(abcNEWS)DEI has its roots in the 1960's anti-discrimination legislative movement when laws like the Equal Pay Act of 1963, Title VII of the Civil Rights Act of 1964 and the Age Discrimination in Employment Act of 1967 addressed labor issues based on protected classes.

台灣在2023年8月16日經總統公布《性別平等工作法》，亦是為保障工作權之性別平等，貫徹憲法消除性別歧視、促進性別地位實質平等之精神。(勞動部防治職場性騷擾懶人包)

鑒於金融海嘯期間，銀行即使在資本充足情形下，因未能審慎管理流動性風險，而仍面臨金融危機，爰巴塞爾銀行監理委員會為強化銀行流動性風險之管理，於九十九年發布「流動性風險衡量、標準及監控之國際架 構」(Basel Ⅲ：International framework for liquidity risk measurement, standards and monitoring)，提出流動性覆蓋比率（Liquidity Coverage Ratio, LCR）及淨穩定資金比率（Net Stable Funding Ratio, NSFR），作為全球一致之流動性量化指標。

其所稱流動性覆蓋比率，係指合格高品質流動性資產總額除以未來三十個日曆日內之淨現金流出總額。[銀行流動性覆蓋比率實施標準條文第二條]

Ecotourism(生態旅遊、生態觀光)一詞最早出現可追溯至1965年，學者赫茲特建議對文化、教育以及旅遊再省思，並倡導所謂的生態旅遊，發展至今生態旅遊已成國際保育和永續發展之基礎概念。

1983年，學者赫克特提出「生態旅遊」一詞，成為目前最普遍使用的語彙。其將生態旅遊歸結出三大特點：
1. 生態旅遊是一種仰賴當地資源的旅遊；
2. 生態旅遊是一種強調當地資源保育的旅遊；
3.生態旅遊是一種維護當地社區概念的旅遊。
最後，學者赫克特將生態旅遊定義為「到相對未受干擾或未受污染的自然區域旅行，有特定的研究主題，且體驗或欣賞其中的野生動植物景象，並且關心區內的文化特色」。 生態旅遊學會 (The Ecotourism Society) 在1991年為生態旅遊下了一個廣為各界接受的註解：「生態旅遊是一種具有環境責任感的旅遊方式，保育自然環境與延續當地住民福祉為發展生態旅遊的最終目標」。

相比現行(2023/2/28)new bing with ChatGPT，只是在首頁做出聊天連結到一個閹割版的ChatGPT頁面。
Microsoft Edge(版本 111.0.1660.14 dev)已整合ChatGPT至瀏覽器(它稱自己為Bing)，於是可以做到即時探索功能。
所以，這個整合的探索功能，是否可以做到即時解析Youtube的影片內容，並做出重點摘要？

我們以Joeman的《Joe是要對決S2》Ep149 -1280的奢華舒芙蕾對決90元的平價舒芙蕾為例，
提問"這部影片在講什麼?"，結果如下。

資料來源：數位時代

盡職調查(Due Diligence；DD)

獨角獸(Unicorn)：未上市且估值逾10億美元的新創

死亡谷(Valley of Death)