Compound Interest Calculator (Excel/PDF)

What it does

Calculate your 2nd mortgage quickly with our free Second Mortgage Calculator. Estimate monthly payments, interest costs, and total repayment in seconds.

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  Needle: We Distilled Gemini Tool Calling into a 26M Model▲776

  Hey HN, Henry here from Cactus. We open-sourced Needle, a 26M parameter function-calling (tool use) model. It runs at 6000 tok/s prefill and 1200 tok/s decode on consumer devices. We were always frustrated by the little effort made towards building agentic models that run on budget phones, so we conducted investigations that led to an observation: agentic experiences are built upon tool calling, and massive models are overkill for it. Tool calling is fundamentally retrieval-and-assembly (match query to tool name, extract argument values, emit JSON), not reasoning. Cross-attention…

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  Files.md – Open-source alternative to Obsidian▲730

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