[HN Gopher] Amazon documents reveal company's strategy to dodge ...
       ___________________________________________________________________
        
       Amazon documents reveal company's strategy to dodge India's
       regulators
        
       Author : chanmad29
       Score  : 106 points
       Date   : 2021-02-17 15:26 UTC (5 hours ago)
        
 (HTM) web link (www.reuters.com)
 (TXT) w3m dump (www.reuters.com)
        
       | suyash wrote:
       | Amazon being shady with government what's new. It's a monopoly
       | and only care about itself.
        
         | KorematsuFred wrote:
         | I am not sure why Amazon should care about anyone other than
         | itself. To make profits though they have to serve an ordinary
         | blok like me.
        
           | suyash wrote:
           | we all know what happens when companies sacrifice everything
           | for profit - not good!
        
         | KorematsuFred wrote:
         | There is absolutely no evidence that Amazon is a monopoly in
         | India, Flipkart is their main competitor and e-commerce is one
         | of the hottest markets in India we increasing competition from
         | all sides. There is no evidence that Amazon will make any
         | profits either from India for foreseeable future.
         | 
         | Indian people should ask why Indian government is creating laws
         | that need "evasion", that too from a massively successful, well
         | respected and very innovative company, Amazon wants to invest
         | in India and India needs to change its laws if needed to
         | welcome more investment and more competition.
         | 
         | Perhaps it is the indian government that is wrong here?
        
         | bigphishy wrote:
         | But the question remains unanswered, is this behavior we should
         | expect or reward when it is one of the world's largest and most
         | influential actors?
        
       | teatree wrote:
       | This article looks at data without understanding the reason
       | behind it.
       | 
       | Many educated Indians choose to buy from these 33 Amazon owned /
       | equity linked sellers because of the experience they offer - odds
       | of receiving wrong/damaged product is low, and in case where that
       | happens the return / replacement process is hassle free.
       | 
       | Amazon has brought price discovery to many product categories in
       | India. For expensive products I check Amazon's ClouldTail /
       | Appario seller's price before making a purchase from even local
       | vendors, keep that as a reference and negotiate.
       | 
       | Eg: Every computer component, laptop has a ridicules MRP (Maximum
       | Retail Price) in India. A RAM module sold at INR 5500 has an MRP
       | of INR 20,500.
       | 
       | The sad part is even companies like AMD collude with distributors
       | in cheating end customers.
       | 
       | Instead of fixing problems which makes citizens flock to few
       | sellers at Amazon every Indian government irrespective of
       | political party chooses to appease the voting block of traders
       | union - who are nothing but middle men making prices expensive to
       | the end consumer.
       | 
       | A country grows when builders and innovators contribute to the
       | economy, not leeches who don't even understand what they are
       | selling. Everyday I lose a little hope of India ever becoming a
       | developed country, we have our priorities backwards.
        
       | bruceb wrote:
       | Anyone who has purchased an electronic or smaller household
       | appliance on Amazon.in would know Cloudtail made up a significant
       | portion of over all sales.
       | 
       | The Govt didn't needed a multi year report to know it wasn't
       | small sellers making most sales. Some in position of power
       | benefited.
       | 
       | Side note, Even with Walmart's purchase of Flipkart a couple
       | years ago, Amazon.in always seems to be cheaper. Also there is
       | huge gap in reviews and review quality between the sites. Walmart
       | still playing catch up 3 years later
        
       | [deleted]
        
       | cccc4alll wrote:
       | Amazon's initial business advantage was avoiding state/local
       | sales taxes.
       | 
       | Most of tech valuation advances are about avoiding/bypassing
       | regulations and taxation. They simply call it innovation and
       | efficiency.
        
       | newbie578 wrote:
       | It disturbs me that with each day, it seems like the Great
       | Chinese Firewall was a good solution.
       | 
       | You keep out the foreign competition letting internal competition
       | foster and you stop a capital drain.
       | 
       | Imagine if the EU had it's own Alibaba, Baidu or WeChat... That
       | is a lot of taxpaying money...
        
         | SpicyLemonZest wrote:
         | This article focuses on Amazon, but the Indian native company
         | Flipkart is facing the same challenges. As the article hints
         | at, these regulations are set up specifically to _prevent_
         | internal competition; the Indian government wants to protect
         | traditional retail networks against competition from online
         | stores.
        
           | unmole wrote:
           | > the Indian government wants to protect traditional retail
           | networks against competition from online stores.
           | 
           | Nope, the government wants to protect Jio from global
           | competition.
        
             | kevinkeller wrote:
             | The regulation will also benefit other smaller players, no?
             | For example, Tata Cliq, Snapdeal.
        
         | neither_color wrote:
         | I wonder about this. China has its own app ecosystem, as does
         | Russia. India is pushing towards having its own as well. What
         | about Europe? Is it harder because you have to localize to so
         | many languages?
        
           | evnix wrote:
           | no that doesn't seem like the reason, India has more
           | languages than Europe and Europe has mainly two writing
           | systems Cyrillic and Latin while India has a lot more. If
           | India can do it with such low resources, so can Europe.
           | 
           | In my opinion, China and Russia have their own ecosystems
           | because of the language barrier and the physical firewall
           | that their respective governments have put in. India is able
           | to build its own eco system because it has got the
           | fundamentals right, it probably is the only country which
           | broke the Master Card and Visa duopoly allowing local vendors
           | to slash costs by a good margin. I already see a lot of Apps
           | which might pose a threat to the likes of Google in the
           | coming decade(if they are not bought over) but in the long
           | run, I don't see India having a separate ecosystem, India and
           | it's way of thinking is more like the west than it seems to
           | be and it will eventually merge in with larger western
           | ecosystem.
        
             | mangatmodi wrote:
             | Actually English is the most common language across India.
             | Majority of the app ecosystem in India is English only.
             | 
             | In Europe, majority of people can't read English at all. I
             | mean atleast people from Germany, Spain, Italy and France.
        
           | yorwba wrote:
           | It's not localization that's stopping European companies from
           | taking over the entire EU market, it's competition from other
           | companies.
           | 
           | If a French company wants to expand into the Spanish market,
           | they can localize their app all they want; if their
           | prospective customers in Spain are already using a different
           | app that works just as well, they're going to have a hard
           | time convincing them to switch.
           | 
           | The same dynamic also applies within countries, where two
           | interchangeable apps might dominate in different areas or
           | demographics of the same country, without either able to gain
           | significant market share from the other, but it's a bit rarer
           | because of network effects, where people start using an app
           | because they know someone else using it and the app with the
           | most users grows the fastest, eclipsing the competition.
           | 
           | Cross-border network effects in Europe are much weaker than
           | within countries, and not much stronger than between European
           | and non-European countries, so if a company manages to
           | dominate their niche across all of Europe, they'll probably
           | also win in much of the rest of the world.
        
             | dexen wrote:
             | _> It's not localization that's stopping European companies
             | from taking over the entire EU market_
             | 
             | It very much is about localization - both language and to
             | some extent also culture. Both are notable problems with
             | b2c, and there are no "good enough" automated solutions.
             | 
             | My point of reference is the success of Polish domestic
             | "Allegro" ecommerce platform, which was able to out-fox
             | EBay, and later on Amazon, and still maintains dominant
             | position on the local market. There were no significant
             | technological advantages, nor any notable political
             | connections. The platform won purely on being _local_.
             | 
             | In spite all the local success the platform could not
             | expand to the west of Poland due to localization (language
             | and partly culture). It did expand a little bit to Ukraine
             | and Czech Republic. And while it's possible to browse
             | foreign offers, it's rather rare to do so - due to the
             | language barrier.
        
           | BugWatch wrote:
           | That, and the inter-cultural differences are certainly a
           | large stumbling block.
        
           | rini17 wrote:
           | Yes the EU single market works well for goods, but not so
           | much for services. Not just languages, there are significant
           | law differences as well.
        
       | kmeisthax wrote:
       | I'm starting to think the reason why tech companies are so well-
       | valued is purely due to regulatory evasion skills and a dash of
       | political engineering. Effectively, every tech company has been
       | given a pass on _something_. Facebook doesn 't have to worry
       | about defamation lawsuits. Google doesn't have to worry (as much)
       | about copyright. Amazon built it's business on evading sales tax.
       | Uber broke the back of your local city's taxi medallion scheme.
       | And so on and so forth. All of those are things their legacy
       | competitors have had to spend millions of dollars on compliance
       | for, but tech companies don't.
       | 
       | Here's the thing: the market really does not give two shits about
       | "smarts". You can engineer the best mousetrap in the world and
       | get it into everyone's homes, but the market won't care about the
       | company that makes them... as much as they will care about a
       | company that's found a way to break the rules. That's what they
       | really want. People in tech are being paid massively not because
       | they're postdocs with good credentials and amazing skills, but
       | because they know how to bend governments to their will.
        
         | KorematsuFred wrote:
         | > regulatory evasion skills
         | 
         | You will be surprised to know that from your corner store
         | florist to Walmart and from Bank of America to your child's
         | babysitter everyone is obstructed by regulators of all kinds
         | and to some or large extent all businesses are successful
         | because they have learned how to evade government regulation. I
         | remember a lecture by Aetna CEO who said the only competitive
         | advantage they have over competitors is that they have far
         | better handle on the regulation.
         | 
         | If I were Amazon, I would do the same and as an Indian citizen
         | I am greatly happy to see Amazon going so out of the way to
         | help me get what I want.
         | 
         | > People in tech are being paid massively not because they're
         | postdocs with good credentials and amazing skills, but because
         | they know how to bend governments to their will.
         | 
         | It is other way around. The regulators in DC are confused as to
         | how they will regulate the tech. They simply can not as the
         | people are hooked to Instagram and Snapchat. If you give a free
         | hand to DC people they would want every internet user to have a
         | "internet license" and their search history be made available
         | to every possible alphabet soup of government agency.
        
           | nerbert wrote:
           | Somalia must be so nice without all these regulations. A
           | godsend for all these business!
        
         | fallingknife wrote:
         | FB - Congress passed a law (before FB existed) exempting all
         | companies that post user generated content. You may not like
         | this law, but FB is not "evading" anything, and it is not a
         | competitive advantage because section 230 applies to all
         | companies in the industry.
         | 
         | Google - How does Google not have to worry about copyright?
         | What exactly is their evasive behavior here?
         | 
         | Amazon - Until the rules changed in 2018, Amazon was following
         | the same tax treatment that existed for mail order catalog
         | sales decades prior to Amazon's existence. These same rules
         | applied to other online retailers as well. They are not
         | "evading" anything. https://www.nbcnews.com/politics/supreme-
         | court/supreme-court...
         | 
         | Uber - OK you have a point here. I'm glad they did it, but that
         | doesn't change the fact that they did evade regulations.
        
         | random5634 wrote:
         | At least locally, breaking the taxi medallion cartel was a
         | godsend if you lived in a poorer part of time / needed to get
         | places on a weekend.
         | 
         | There had to have been some deals on backend to keep things the
         | way they were - insane shortages of vehicles on weekends and no
         | service to minority areas - with Uber you can get dropped and
         | picked up most places I've found even dicey ones.
        
         | lupire wrote:
         | This isn't a webtech thing. Look at Superfund as one of many
         | examples of the conventional wisdom that business winnby
         | cheating. Most theft in USA is wage theft by employers.
         | Corporations are constantly getting caught breaking the law and
         | not getting punished, defrauding customers or polluting the
         | environment. Sports stadiums being built my governments and
         | given away to corporations.
        
           | missedthecue wrote:
           | _" Most theft in USA is wage theft by employers"_
           | 
           | This is something I hear repeated ad infinitum on the net,
           | but has a calculation ever been done the other way? That is,
           | workers stealing from employers by deliberately clocking out
           | early/late, or by goofing off on HN while on the clock. I
           | would hazard a guess that this number is an order of
           | magnitude greater than seedy business owners short changing
           | their staff.
        
             | capableweb wrote:
             | Yes, calculations have been done. Search for "wage theft"
             | and there is bunch of research about this. The US is not
             | alone in this and it's also not a new problem, it's been
             | like this for a while now.
             | 
             | Here's a good starting point:
             | https://www.epi.org/publication/epidemic-wage-theft-
             | costing-...
             | 
             | > If these findings in New York, Chicago, and Los Angeles
             | are generalizable to the rest of the U.S. low-wage
             | workforce of 30 million, wage theft is costing workers more
             | than $50 billion a year.
             | 
             | > All of the robberies, burglaries, larcenies, and motor
             | vehicle thefts in the nation cost their victims less than
             | $14 billion in 2012, according to the FBI's Uniform Crime
             | Reports
             | 
             | > in the United States in 2012, there were 292,074
             | robberies of all kinds, including bank robberies,
             | residential robberies, convenience store and gas station
             | robberies, and street robberies.3 The total value of the
             | property taken in those crimes was $340,850,358
             | 
             | Worth noting that that report is from 2012. Things are
             | surely worse now.
             | 
             | Edit: Sorry, I misunderstood what you meant. I'm not sure
             | if there is any research around employees slacking off on
             | work time. If there is, it's probably conducted by
             | companies themselves and therefore private.
        
             | ska wrote:
             | > but has a calculation ever been done the other way?
             | 
             | The usual answer to something that is both an obvious
             | question and clearly impactful is "yes, extensively". Which
             | is separate from the question of how well the research has
             | been done of course (in either direction).
             | 
             | > I would hazard a guess that this number is an order of
             | magnitude greater than seedy business owners short changing
             | their staff.
             | 
             | What broad data are you basing this on? I suspect this is
             | one of those areas where (nearly) any one persons
             | individual experience is basically useless, because of the
             | inherent lack of breadth. Exceptions made for extremely
             | unusual life/career paths that lead to better sampling by
             | accident.
        
               | missedthecue wrote:
               | Well there doesn't seem to be much data, hence my
               | original comment. My assumptions are based primarily on
               | my own anecdotal observation. I work a relatively low
               | wage job with a lot of relatively low wage coworkers.
               | Most of them make a deliberate effort every day to do as
               | little work as possible, to the point that it occurred to
               | me that they might be engaging in more effort than if
               | they just did their jobs anyway.
               | 
               | I'm not minimizing wage theft. It's a real issue. I'm
               | just casting some doubt on the claim that it's the
               | biggest form of theft by bringing light to a viewpoint
               | most people haven't even ever considered.
        
               | pc86 wrote:
               | > _I work a relatively low wage job with a lot of
               | relatively low wage coworkers. Most of them make a
               | deliberate effort every day to do as little work as
               | possible, to the point that it occurred to me that they
               | might be engaging in more effort than if they just did
               | their jobs anyway._
               | 
               | Do you work in a state government's IT department?
        
               | ska wrote:
               | > bringing light to a viewpoint most people haven't even
               | ever considered.
               | 
               | Why do you think this statement is true?
        
               | missedthecue wrote:
               | I mean there isn't even any research on it. No one talks
               | about it. I've never heard or read anyone make the point
               | aside from myself. What set of criterion do you regard as
               | sufficient to deem some fact under-appreciated?
        
               | ska wrote:
               | > I mean there isn't even any research on it. No one
               | talks about it.
               | 
               | Neither of these statements can be true, as I've seen
               | multiple examples of both. For what it's worth, one of
               | the search terms you are looking for is "time theft" (as
               | opposed to "wage theft"), the literature on this is also
               | well developed as you might expect. And of course there
               | are various types of related fraud (both in favor of
               | employer and employee) which have been studied.
               | 
               | > I've never heard or read anyone make the point aside
               | from myself.
               | 
               | This is plausible, but doesn't tell us much about
               | anything but your own exposure.
        
               | missedthecue wrote:
               | So if you take some studies on time theft, it looks like
               | it amounts to $400 billion annually, which is far and
               | away in excess of the figure that the original poster
               | said was the largest type of theft. This proves my
               | original point.
        
             | EricE wrote:
             | It's easy to demonize groups you aren't a part of.
        
               | missedthecue wrote:
               | I make $15/hr
               | 
               | which group am I not a part of?
        
               | Nicksil wrote:
               | >I make $15/hr
               | 
               | This is a dishonest statement.
        
               | missedthecue wrote:
               | ok you tell me how much I make
        
               | [deleted]
        
             | WrtCdEvrydy wrote:
             | Yeah, the guy mowing the lawn and getting dicked on
             | overtime is totally goofing off on HN
        
             | nullandvoid wrote:
             | Spotted the guy who underpays their staff
        
               | pc86 wrote:
               | > _Be kind. Don 't be snarky. Have curious conversation;
               | don't cross-examine. Please don't fulminate. Please don't
               | sneer, including at the rest of the community._
               | 
               | > _Please respond to the strongest plausible
               | interpretation of what someone says, not a weaker one
               | that 's easier to criticize. Assume good faith._
               | 
               | > _Please don 't post shallow dismissals_
               | 
               | https://news.ycombinator.com/newsguidelines.html
        
         | 908B64B197 wrote:
         | > Uber broke the back of your local city's taxi medallion
         | scheme.
         | 
         | Posted it in an other thread [0] but do we really want to go
         | back to the medallion system? Pre-Uber, either the driver
         | rented the car to a middleman who rented the medallion from a
         | rich owner, or said owner was selling and financing (most banks
         | won't touch these medallions!) a medallion at a ridiculous
         | interest rate to a driver that planned to use it as his
         | retirement savings (an extremely volatile asset and not very
         | liquid).
         | 
         | The more I spoke to cab drivers the more it seemed their
         | industry was a pyramid scheme aimed at helping established
         | rent-seeker take advantage of often poor new immigrants. Uber
         | brought a breeze of fresh air: Someone could simply buy a car,
         | calculate the depreciation and it's value on the market (since
         | unlike medallions cars are relatively liquid assets!) do
         | rideshare and calculate their profits or loss. They can get out
         | of the game at anytime, and they know exactly how much they are
         | going to get for the car they have should they sell it.
         | 
         | And I'm not even touching the usual pain points and often
         | discriminatory practices of medallion drivers (refusing card
         | payments, refusing rides to non-white passengers and to non-
         | white neighborhoods...).
         | 
         | [0] https://news.ycombinator.com/item?id=24225648
        
           | c22 wrote:
           | Uber is just a different rent seeker, though. Over time the
           | situation will likely just keep getting worse until it is as
           | bad as the system it is replacing (many things about the
           | ride-sharing ecosystem are already not great...)
           | 
           | While it's always nice to see a broken rent-seeking system in
           | our world become eroded we should not laude the transfer to
           | another fiat regency.
        
             | portpecos wrote:
             | By that statement, you can claim TaskRabbit and the like
             | are also rent-seekers.
        
           | lucideer wrote:
           | Sounds like the old system was pretty bad, but also sounds
           | like you're looking at Uber through extremely rose-tinted
           | lenses.
           | 
           | > _a pyramid scheme aimed at helping established rent-seeker
           | take advantage of often poor new immigrants. Uber brought a
           | breeze of fresh air_
           | 
           | In what way is Uber not a rent-seeker taking advantage of
           | often poor new immigrants?
           | 
           | The fact that the old system was so poor just lowers our
           | standards for anything that may seek to replace it, but
           | that's no reason to throw all critical thinking out the
           | window.
           | 
           | --
           | 
           | Europe is a really good example to look at. Uber entered the
           | market in most (all) European countries, but they simply
           | couldn't compete with what already existed. (speaking only of
           | Uber taxis; Uber Eats is doing fine in Europe)
        
             | 908B64B197 wrote:
             | > In what way is Uber not a rent-seeker taking advantage of
             | often poor new immigrants?
             | 
             | Doesn't trap them.
             | 
             | Used cars are a liquid market (with a lot of transactions)
             | with well established pricing. It's easy to buy and sell at
             | the blue book's price and get cheap financing. This makes
             | it easy to get into Ubering and out of it, as at any point
             | you know exactly how much money the car is still worth.
             | 
             | Compare that to a taxi medallion, often financed through
             | "alternate means" (no banks will touch them), completely
             | opaque pricing (there's no market place, transactions are
             | often done privately) and at the mercy of regulators
             | (tomorrow the city council might create 10x the current
             | amount of medallions out of thin air, thus crushing the
             | price of existing ones).
        
           | cccc4alll wrote:
           | Uber and Lyft reworked the medallion system into mobile apps.
           | 
           | Instead of a physical medallion bolted on the car, it's a
           | verified driver ID and rating in Uber/Lyft app.
           | 
           | Uber/Lyft are now collecting what the medallion owners were
           | collecting previously from the drivers.
           | 
           | The apps are more convenient for riders and there are more
           | efficiencies in the routes. But, it's still the same system.
           | Meet the new boss, same as the old boss.
        
         | loceng wrote:
         | Regulatory evasion and/or regulatory capture - I never thought
         | about it being called evasion but it certainly fits: get big
         | enough with a large amount of the population now
         | depending/relying/using the service, and then it causes a
         | problem for policy makers - who aren't skilled or knowledgable
         | enough to understand the intricacies of the business models in
         | order to safely adjust policy to benefit society, society more
         | than the profits of the business anyhow - that business who is
         | lobbying and manipulating regulators as well to get policy to
         | fit their needs, and coining the narrative for the users who
         | benefit from the lack of regulations as well (e.g. Airbnb hosts
         | who side-step worrying or dealing about the externalities on
         | society of rents going up further due to higher pressure and
         | less supply).
        
         | dexen wrote:
         | _> defamation lawsuits_
         | 
         |  _> copyright_
         | 
         |  _> local city's taxi medallion scheme_
         | 
         | Arguably the three areas of law where special protections &
         | privilleges got expended so far, repeatedly and over decades,
         | as to create ample opportunity for easy arbitration. Especially
         | in case of copyright and taxi medallions, mafia-like structures
         | were created through very one-sided markets; the only
         | distinction from mafia being that those were gradually
         | introduced through layers upon layers of legislation.
         | 
         | The fault, if any, lays with the legislators. The tangible
         | result of tech businesses is cheaper music for the consumers
         | and cheaper transportation for the consumers.
         | 
         |  _> special protections for local businesses online_
         | 
         | Good luck with that./s France also tried similar legislation,
         | targeted specifically at extracting more tax revenue from
         | Amazon under the guise of "protecting local bookstores". That's
         | neither moral nor productive.
        
         | op03 wrote:
         | On the flip side in India atleast they are competing against
         | well known crony monopolists who own the govt. Nothing simple
         | or obvious about the rules of that game.
         | 
         | As long as they are preoccupied with ruthlessly competing
         | against each other things tend to head in positive directions
         | for everyone. Its when they have no competition is when the the
         | mindless ambition and ruthlessness causes the most damage.
        
           | TT3351 wrote:
           | Depending on which side of the bed I wake up on, I can
           | lambast the US status quo as crony monopolists who own the
           | government as well; yet I'm still nervous about the move
           | "fast and break things" philosophy when it comes to real
           | world markets, societies, and governments.
        
         | 1996 wrote:
         | > I'm starting to think the reason why tech companies are so
         | well-valued is purely due to regulatory evasion skills and a
         | dash of political engineering.
         | 
         | And how exactly is that a bad thing?
         | 
         | You assume regulations are good, but as a customer this is
         | incredibly short sighted.
         | 
         | > Facebook doesn't have to worry about defamation lawsuits.
         | Google doesn't have to worry (as much) about copyright. Amazon
         | built it's business on evading sales tax. Uber broke the back
         | of your local city's taxi medallion scheme. And so on and so
         | forth
         | 
         | So are you sad that you can use freedom of speech without fear
         | of defamation lawsuits, read newspapers on google news without
         | paying, have cheaper goods thanks to businesses forgetting to
         | collect taxes, and better quality cabs that will come to you
         | immediately?
         | 
         | > they know how to bend governments to their will.
         | 
         | That's one of the best points about tech :)
        
       | swayvil wrote:
       | Every corporation seeks, ultimately, to dodge regulations,
       | dominate the government and establish a monopoly.
       | 
       | And we let these beasts run around willy-nilly.
        
       | ipsocannibal wrote:
       | Yet more evidence to be used in the eventual US anti-trust case
       | demonstrating a pattern of anti-competitive behavior. Prefering
       | big sellers and lying about it is not "customer centric" in any
       | market. Actions like this are going to eventually crush the stock
       | value. When that happens senior employees will cash out and
       | retail will be sold off to the highest bidding hedge fund. AWS is
       | the money maker anyway and that will be protected at all costs.
        
         | throwaw4ybio wrote:
         | They should be careful not to cross into Icarus territory.
        
         | throwaway20875 wrote:
         | >Yet more evidence to be used in the eventual US anti-trust
         | case demonstrating a pattern of anti-competitive behavior
         | 
         | Little chance. Bezos has purchased his way into the class of
         | decision makers in this country through acquisitions of media
         | and integrating into the military industrial complex (in
         | numerous ways). Amazon embodies the privatization of a
         | centralized economy more than anything else. Needless to say:
         | this is not good.
        
       | blueblisters wrote:
       | Ooh this is going to ruffle some feathers in the Indian Traders
       | lobby. Although more regulation here is almost certainly going to
       | be bad for consumers.
        
       ___________________________________________________________________
       (page generated 2021-02-17 21:02 UTC)