Larry Chiang, President and CEO Duck9.com

YouTube VIDEO

I'll shoot you w/a nerf gun if you don't manage your credit.

11:11 is my goal of getting duck9 consumers lots of 1s.

24 1's in a row equals a 750 FICO.

A "one" is an on-time payment in credit reporting code.

A '9'=charged off bad-debt. You wanna duck 9s.

Duck9 = Deep Underground Credit Knowledge (Duck 9's on your credit report. 9's are charge-offs)

"Making sure college credit virgins get deflowered right since 2004"

"Larry Chiang is an expert at the dark art of FICO score preparation"

from Paul Thompson, Founder Scottish American Capital

Harvard Business School '09

"Who needs Stanford Business School when you have Larry Chiang"

from David Rohrsheim, Draper Fisher Jurvetson

Subscribe NOW

Enter your email address:

Text Message our CEO:

650-283-8008

or on twitter

Free Resources

Click Here to learn more

In The Media

PSL 3 versus PSL 5…, PUAHate, SlutHate, and Lookism

by Larry Chiang on March 22, 2026

**PSL ratings** and **Chad** are terms that come from online communities focused on male physical attractiveness, particularly the “looksmaxxing” subculture (which involves trying to maximize one’s appearance through various methods like skincare, gym training, jaw exercises like mewing, surgery, or even more extreme interventions).
PUAHate, SlutHate, and Lookism, PSL, stands for an acronym derived from old internet forums PUAHate, SlutHate, and Lookism
Later communities like Looksmax.org built on this). It refers to a specific rating scale used almost exclusively to judge **facial attractiveness** in a supposedly “objective” way.
The scale is harsher and more granular than a normal 1–10 attractiveness rating:
– It typically runs from roughly **0–8** (or sometimes described as up to ~8 max), where **8 PSL** is considered near-perfect (equivalent to ~10/10 in everyday terms).
– Ratings are based on criteria like:
  – **Harmony** — how well facial features fit together overall.
  – **Sexual dimorphism** — how masculine (for men) or feminine the features appear (e.g., strong jaw, brow ridge, wide cheekbones).
  – **Angularity** / sharpness — defined bone structure, low body fat showing clear lines.
  – **Miscellaneous** — individual traits like skin quality, eye area, nose shape, teeth, hairline, symmetry, ratios (e.g., FWHR = facial width-to-height ratio, interpupillary distance, etc.).
– It focuses heavily on **bone structure** and **geometric proportions** rather than vibe, personality, style, or “appeal” to the opposite sex.
Rough tiers (these vary slightly by source/forum, but this is the common structure):
– **Subhuman / sub-3–4 PSL** → severely unattractive, often due to deformities, poor ratios, or extreme disharmony (bottom ~1–30% depending on who you ask).
– **Low/mid/high-tier normie** (~3–5 PSL) → average to slightly above-average everyday people.
– **Chadlite** (~5.5–6.5 PSL) → noticeably good-looking, turns heads, does well in dating.
– **Chad / high-tier Chad** (~6.5–7.5+ PSL) → elite-tier attractive men.
– **Tera-Chad / PSL god** (~7.75–8) → near-mythical perfection (extremely rare, almost no real person fully reaches it).
The scale is **not scientific** — it’s a subjective system created and debated in niche online spaces, but it claims more objectivity than casual “hot or not” ratings by using facial measurements.
### What is a “Chad”?
**Chad** is internet slang (popularized in incel, manosphere, and later looksmaxxing circles) for the stereotypical **top-tier attractive, sexually successful man** — basically the opposite of an “incel” (involuntarily celibate person).
Classic Chad traits (often exaggerated in memes):
– Tall.
– Muscular/athletic build.
– Strong jawline, hunter eyes, high cheekbones, thick hair.
– Confident, socially dominant, “alpha” personality.
– Gets lots of attention from women effortlessly.
In looksmaxxing/PSL contexts:
– A **Chad** is someone rated very high on the PSL scale (usually **6.5+**, often **Chadlite** or full **Chad**).
– The dad in the original clip was hyping his teenage son as the “**next upcoming Chad**” with “**PSL-3**” — which is ironic/sarcastic because **PSL-3** is typically **below average / low-tier normie** territory (far from Chad level). The community found it funny because the dad seemed delusional about his son’s looks.
These terms spread from fringe forums to TikTok, Twitter/X, and mainstream internet culture (especially among teenage boys/young men interested in self-improvement, dating, or memes), but they carry baggage from their origins in often misogynistic spaces.

 
 
midaqih
⁦‪@midaqih‬⁩
Clavicular was VISIBLY MAD after a random PSL-3 showed up with his dad UNINVITED claiming he’s the next upcoming CHAD 😤😶‍🌫️

“What’s up buddy, it’s Willis… he is gonna be the new chad.”

“Why is he in my house?”
pic.x.com/wd47p4GimA

 
3/22/26, 2:02 PM
 
 


WordPress’d from my personal iPhone, 650-283-8008, number that Steve Jobs texted me on

https://www.YouTube.com/watch?v=ejeIz4EhoJ0

{ 0 comments }

Jokes at Silicon Valley Levels of Humor

March 22, 2026

https://x.com/shiri_shh/status/2035644582940348534?s=43 – This post satirizes Halter, a New Zealand agtech startup raising $2B from Peter Thiel’s Founders Fund for solar-powered cow collars that enable virtual fencing and health tracking on 700k animals, by reimagining the tech for monitoring a16z VC associates’ activities like token burns and investments. – The parody critiques VC firm dynamics, exaggerating […]

Read the full article →

Motivational Listening 22 #22daysOfOpenAIatSXSW

March 22, 2026

Revisiting Motivational Listening: A Framework for Countering Cultural Mediocrity and Building High-Performance Drive In an era where American culture has long been critiqued for prizing normalcy and conformity over exceptional achievement, Larry Chiang has quietly developed and promoted **Motivational Listening** as a practical, high-energy antidote. Drawing from sports psychology, parenting strategies, coaching techniques, and entrepreneurial […]

Read the full article →

432 Hertz To Calm Your Central Nervous System

March 22, 2026

Listen to this to calm ur nervous system! #worldwithmaria #dailyreminder #motivation youtube.com Chapter 1 to Chapter 14’s an “Easter Egg” at #ch1 to #ch14. Including #ch2 which’s chapter 2 at my house in Napa California http://www.youtube.com/watch?v=ejeIz4EhoJ0 On 09-09-39, “What They Will NEVER Teach You at Stanford Business School” debuts at 300 w 44th St at New […]

Read the full article →

Cursor Chapter 3’s Kimi K2.5

March 21, 2026

https://x.com/coryswan/status/2035038433308287485?s=43 Chapter 3 is paste copy Chapter 3’s an “Easter Egg” #ch3, which’s chapter 3 at my hotel in Napa California What They Will NEVER Teach You at Stanford Business School youtube.com **Cursor’s “Composer 2” got called out as “fake” (or at least misleadingly presented) mainly because of a quick drama that unfolded right after its […]

Read the full article →

Boy Dog in Girl Bed

March 20, 2026

That’s his permanent position now 😭❤️ youtube.com W Emergency swings and cutting deals as an 9 year old Larry Chiang Cuts a Deal with ‘Chris’, Engineer Class of 2021 youtube.com

Read the full article →

Let’s Win

March 18, 2026

Chapter 1 to Chapter 14’s are “Easter Egg’s” What They Will NEVER Teach You at Stanford Business School youtube.com

Read the full article →

SXSF Markdown Qualifies as Code

March 15, 2026

https://x.com/larrychiang/status/2033245506772643919?s=43 – Garry Tan, Y Combinator CEO, argues Markdown qualifies as code by encoding AI workflows, prompts, and processes in files that direct LLMs, as exemplified in his gstack tool for Claude Code setups. – The post’s image critiques GitHub’s prompt-based assumptions versus traditional engineering, highlighting LLM-driven evaluation infrastructure as a scalable alternative to stack […]

Read the full article →

Vice…, Vice Presidential Suite at Coachella. And the Vice Presidential Experience at a Music Festival. I said vice three X so we are Roll Tide Maxxxxing

March 15, 2026

https://x.com/larrychiang/status/2032951113029173551?s=43 sidential Presidential Suite** at the JW Marriott Desert Springs Resort & Spa (the property commonly referred to as the “JW Marriott Palm Springs” area resort in Palm Desert, CA) is a **1 Bedroom Presidential Suite** (with pool views, balcony, 1 king bed, sofa bed, living room, dining area, and sitting area). – It measures approximately […]

Read the full article →

Fico Score SXSW

March 13, 2026

Fico Score credit Specialist youtube.com Chapter 1 to Chapter 14’s an “Easter Egg” at #ch1 to #ch14. Including #ch2 which’s chapter 2 at my house in Napa California What They Will NEVER Teach You at Stanford Business School youtube.com http://www.youtube.com/watch?v=QXIaNZi3mHQ http://www.youtube.com/watch?v=eudADPfTWiE

Read the full article →