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home / www.ft.com / item 47145842
-0.27 How insurance became the lifeblood of private credit (www.ft.com)
4 points by petethomas 10 hours ago | 0 comments on HN | Strong Negative Advertising · vv3.4 · 2026-02-25
Article Heatmap
Preamble: -0.33 — Preamble P Article 1: -0.30 — Freedom, Equality, Brotherhood 1 Article 2: -0.27 — Non-Discrimination 2 Article 3: -0.31 — Life, Liberty, Security 3 Article 4: -0.24 — No Slavery 4 Article 5: -0.28 — No Torture 5 Article 6: -0.17 — Legal Personhood 6 Article 7: -0.25 — Equality Before Law 7 Article 8: -0.14 — Right to Remedy 8 Article 9: -0.31 — No Arbitrary Detention 9 Article 10: -0.17 — Fair Hearing 10 Article 11: -0.22 — Presumption of Innocence 11 Article 12: -0.53 — Privacy 12 Article 13: -0.11 — Freedom of Movement 13 Article 14: -0.20 — Asylum 14 Article 15: -0.14 — Nationality 15 Article 16: -0.17 — Marriage & Family 16 Article 17: -0.29 — Property 17 Article 18: -0.11 — Freedom of Thought 18 Article 19: -0.37 — Freedom of Expression 19 Article 20: -0.14 — Assembly & Association 20 Article 21: -0.22 — Political Participation 21 Article 22: -0.26 — Social Security 22 Article 23: -0.23 — Work & Equal Pay 23 Article 24: -0.20 — Rest & Leisure 24 Article 25: -0.41 — Standard of Living 25 Article 26: -0.35 — Education 26 Article 27: -0.26 — Cultural Participation 27 Article 28: -0.29 — Social & International Order 28 Article 29: -0.32 — Duties to Community 29 Article 30: -0.23 — No Destruction of Rights 30
Negative Neutral Positive No Data
Aggregates
Weighted Mean -0.27 Unweighted Mean -0.25
Max -0.11 Article 13 Min -0.53 Article 12
Signal 31 No Data 0
Confidence ND Volatility 0.18 (Medium)
Negative 31 Channels E: 0.2 S: 0.8
SETL ND
FW Ratio 50% 0 facts · 0 inferences
Evidence: High: 2 Medium: 18 Low: 11 No Data: 0
Theme Radar
Foundation Security Legal Privacy & Movement Personal Expression Economic & Social Cultural Order & Duties Foundation: -0.30 (3 articles) Security: -0.28 (3 articles) Legal: -0.21 (6 articles) Privacy & Movement: -0.25 (4 articles) Personal: -0.19 (3 articles) Expression: -0.24 (3 articles) Economic & Social: -0.27 (4 articles) Cultural: -0.30 (2 articles) Order & Duties: -0.28 (3 articles)
Domain Context Profile
Element Modifier Affects Note
Privacy -0.15
Article 3 Article 12
Heavy tracking infrastructure (Amplitude, GTM, oTracking) detected with multiple data collection mechanisms; privacy controls not visible in provided content.
Terms of Service
Terms of service not accessible from provided HTML excerpt.
Accessibility +0.05
Article 2
Basic responsive design detected (multiple breakpoints); semantic HTML structure present but JavaScript-dependent features may limit some users.
Mission
Mission statement not directly observable in provided content; appears to be a commercial subscription landing page.
Editorial Code
No editorial policy or code of conduct visible in provided content.
Ownership
Private commercial entity; ownership structure not visible in provided HTML.
Access Model -0.12
Article 25 Article 26
Paywall-based access model (subscription required); content gated behind payment barrier; membership verification system detected.
Ad/Tracking -0.18
Article 12 Article 19
Multiple ad networks and tracking systems (GTM-NWQJW68, GTM-K6RPBMH, Amplitude) embedded; consent mechanisms present but behavior suggests default tracking.
Score Breakdown
-0.33
Preamble Preamble
Medium Practice
Editorial
ND
Structural
-0.25
SETL
ND
Combined
ND
Context Modifier
ND

Structural signals show commercial payment model and tracking infrastructure that constrain foundational human dignity principles embedded in Preamble; no editorial advocacy observed.

-0.30
Article 1 Freedom, Equality, Brotherhood
Medium Practice
Editorial
ND
Structural
-0.20
SETL
ND
Combined
ND
Context Modifier
ND

Equal dignity principle undermined by subscription paywall that creates access hierarchy based on economic capacity; no editorial content on equality detected.

-0.27
Article 2 Non-Discrimination
Medium Practice
Editorial
ND
Structural
-0.15
SETL
ND
Combined
ND
Context Modifier
ND

Non-discrimination principle affected by access model; tracking practices may enable discriminatory targeting. Responsive design shows some accessibility consideration but JavaScript-dependency creates exclusion.

-0.31
Article 3 Life, Liberty, Security
Medium Practice
Editorial
ND
Structural
-0.22
SETL
ND
Combined
ND
Context Modifier
ND

Right to life and security undermined by data practices; extensive tracking could expose user data to security risks.

-0.24
Article 4 No Slavery
Low Practice
Editorial
ND
Structural
-0.18
SETL
ND
Combined
ND
Context Modifier
ND

Slavery/servitude not directly observed. Commercial data collection practices create asymmetric power dynamics.

-0.28
Article 5 No Torture
Medium Practice
Editorial
ND
Structural
-0.20
SETL
ND
Combined
ND
Context Modifier
ND

Torture/cruel treatment not applicable. However, commercial exploitation and data practices create harms through asymmetric power.

-0.17
Article 6 Legal Personhood
Low Practice
Editorial
ND
Structural
-0.12
SETL
ND
Combined
ND
Context Modifier
ND

Right to recognition as person not directly implicated; no editorial content on legal personhood.

-0.25
Article 7 Equality Before Law
Medium Practice
Editorial
ND
Structural
-0.18
SETL
ND
Combined
ND
Context Modifier
ND

Equal protection principle violated by subscription-based access discrimination and targeted tracking practices.

-0.14
Article 8 Right to Remedy
Low Practice
Editorial
ND
Structural
-0.10
SETL
ND
Combined
ND
Context Modifier
ND

Right to judicial remedy not directly observable in subscription landing page context.

-0.31
Article 9 No Arbitrary Detention
Medium Practice
Editorial
ND
Structural
-0.22
SETL
ND
Combined
ND
Context Modifier
ND

Arbitrary detention principle not directly applicable; however, data systems create arbitrary surveillance capability.

-0.17
Article 10 Fair Hearing
Low Practice
Editorial
ND
Structural
-0.12
SETL
ND
Combined
ND
Context Modifier
ND

Fair trial principle not directly implicated in subscription landing page.

-0.22
Article 11 Presumption of Innocence
Low Practice
Editorial
ND
Structural
-0.16
SETL
ND
Combined
ND
Context Modifier
ND

Criminal liability principle; not directly applicable to commercial subscription service.

-0.53
Article 12 Privacy
High Practice
Editorial
ND
Structural
-0.35
SETL
ND
Combined
ND
Context Modifier
ND

Privacy violation is clear and extensive. Multiple tracking systems (Amplitude, GTM, oTracking, session replay, device ID) operate without visible user control. This is a strong negative signal.

-0.11
Article 13 Freedom of Movement
Low Practice
Editorial
ND
Structural
-0.08
SETL
ND
Combined
ND
Context Modifier
ND

Freedom of movement not applicable to online content subscription platform.

-0.20
Article 14 Asylum
Low Practice
Editorial
ND
Structural
-0.14
SETL
ND
Combined
ND
Context Modifier
ND

Asylum principle not applicable; however, subscription model creates barriers similar to immigration restrictions.

-0.14
Article 15 Nationality
Low Practice
Editorial
ND
Structural
-0.10
SETL
ND
Combined
ND
Context Modifier
ND

Nationality principle not directly applicable to commercial subscription service.

-0.17
Article 16 Marriage & Family
Low Practice
Editorial
ND
Structural
-0.12
SETL
ND
Combined
ND
Context Modifier
ND

Marriage/family rights not applicable; subscription model treats individuals as economic units rather than members of families.

-0.29
Article 17 Property
Medium Practice
Editorial
ND
Structural
-0.20
SETL
ND
Combined
ND
Context Modifier
ND

Property rights principle affected by data collection. Users' behavioral data is extracted and monetized without compensation.

-0.11
Article 18 Freedom of Thought
Low Practice
Editorial
ND
Structural
-0.08
SETL
ND
Combined
ND
Context Modifier
ND

Freedom of thought and conscience not directly implicated; however, behavioral tracking creates surveillance of thought patterns.

-0.37
Article 19 Freedom of Expression
Medium Practice Framing
Editorial
ND
Structural
-0.25
SETL
ND
Combined
ND
Context Modifier
ND

Freedom of expression/opinion compromised by paywall access control and tracking-based filtering. Users cannot freely access information; algorithms may filter based on tracked profiles.

-0.14
Article 20 Assembly & Association
Low Practice
Editorial
ND
Structural
-0.10
SETL
ND
Combined
ND
Context Modifier
ND

Peaceful assembly principle not applicable to online subscription service.

-0.22
Article 21 Political Participation
Low Practice
Editorial
ND
Structural
-0.15
SETL
ND
Combined
ND
Context Modifier
ND

Participation in government principle not applicable; however, commercial entity wields significant information power without democratic accountability.

-0.26
Article 22 Social Security
Medium Practice
Editorial
ND
Structural
-0.18
SETL
ND
Combined
ND
Context Modifier
ND

Social security/cultural participation principle affected by subscription paywall that restricts access to cultural/intellectual content based on economic capacity.

-0.23
Article 23 Work & Equal Pay
Low Practice
Editorial
ND
Structural
-0.16
SETL
ND
Combined
ND
Context Modifier
ND

Work and fair conditions principle not directly applicable; however, platform business model creates exploitative labor dynamics (unpaid content creation through tracking).

-0.20
Article 24 Rest & Leisure
Low Practice
Editorial
ND
Structural
-0.14
SETL
ND
Combined
ND
Context Modifier
ND

Rest and leisure principle affected by constant tracking and engagement optimization.

-0.41
Article 25 Standard of Living
High Practice
Editorial
ND
Structural
-0.28
SETL
ND
Combined
ND
Context Modifier
ND

Adequate standard of living principle significantly violated by subscription paywall that restricts access to information essential for informed participation in society. This creates economic exclusion from intellectual resources.

-0.35
Article 26 Education
Medium Practice
Editorial
ND
Structural
-0.24
SETL
ND
Combined
ND
Context Modifier
ND

Education principle compromised by paywall. Access to information essential for intellectual development is restricted by financial barriers.

-0.26
Article 27 Cultural Participation
Medium Practice
Editorial
ND
Structural
-0.18
SETL
ND
Combined
ND
Context Modifier
ND

Cultural/scientific participation principle affected by subscription paywall that restricts access to analysis of cultural and scientific matters.

-0.29
Article 28 Social & International Order
Medium Practice
Editorial
ND
Structural
-0.20
SETL
ND
Combined
ND
Context Modifier
ND

Social and international order principle affected by proprietary data systems that create extractive relationship between platform and users.

-0.32
Article 29 Duties to Community
Medium Practice
Editorial
ND
Structural
-0.22
SETL
ND
Combined
ND
Context Modifier
ND

Community development principle compromised by subscription paywall that fragments users into paying/non-paying tiers. Tracking creates surveillance rather than genuine community participation.

-0.23
Article 30 No Destruction of Rights
Medium Practice
Editorial
ND
Structural
-0.16
SETL
ND
Combined
ND
Context Modifier
ND

Protection against destruction of rights principle: The subscription/surveillance model itself could be seen as limiting the possibility of exercising other rights. System designs that prevent rights exercise create de facto destruction.

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build 359ddd7+1rs2 · 2026-02-25 03:53 UTC