!function(e,t){"object"==typeof exports&&"undefined"!=typeof module?t(exports):"function"==typeof define&&define.amd?define(["exports"],t):t((e="undefined"!=typeof globalThis?globalThis:e||self).version={})}(this,(function(exports){"use strict";var extendStatics=function(e,t){return extendStatics=Object.setPrototypeOf||{__proto__:[]}instanceof Array&&function(e,t){e.__proto__=t}||function(e,t){for(var n in t)Object.prototype.hasOwnProperty.call(t,n)&&(e[n]=t[n])},extendStatics(e,t)};function __extends(e,t){if("function"!=typeof t&&null!==t)throw new TypeError("Class extends value "+String(t)+" is not a constructor or null");function n(){this.constructor=e}extendStatics(e,t),e.prototype=null===t?Object.create(t):(n.prototype=t.prototype,new n)}var __assign=function(){return __assign=Object.assign||function(e){for(var t,n=1,i=arguments.length;n0&&o[o.length-1])||6!==s[0]&&2!==s[0])){a=0;continue}if(3===s[0]&&(!o||s[1]>o[0]&&s[1]0?(t(i-=1),setTimeout(o,1e3)):n()};o()}))},decode=function(){return JSON.parse(atob(window.park||""))},PAGE_STYLES="@import url(https://fonts.googleapis.com/css?family=Quicksand);\n\n* {\n font-smoothing: antialiased;\n -webkit-font-smoothing: antialiased;\n -moz-osx-font-smoothing: grayscale;\n}\n\nhtml, body {\n width: 100%;\n margin: 0;\n}\n\nhtml {\n background: linear-gradient(180deg, #edf7fe 0%, white 95%, white 100%);\n height: 100%;\n}\n\nbody {\n min-height: 90%;\n font-family: Arial, sans-serif;\n letter-spacing: 1.2px;\n color: rgb(10, 31, 64);\n text-align: center;\n}\n\n/* App Target - This starts hidden until we apply a class to \"activate\" it */\n\n#target {\n opacity: 0;\n visibility: hidden;\n}\n\n/* Status Messages - These are displayed when we are not rendering ad blocks or Related Search */\n\n#pk-status-message {\n height: 100vh;\n width: 100%;\n display: flex;\n flex-direction: column;\n align-items: center;\n justify-content: center;\n}\n\n/* Sales Box - Default State */\n\n#sales-box {\n display: block;\n width: 100%;\n font-family: 'Quicksand', serif;\n text-align: center;\n text-decoration: none;\n font-weight: 400;\n}\n\n#sales-box a {\n display: block;\n width: 100%;\n font-family: inherit;\n font-weight: inherit;\n text-decoration: inherit;\n color: #8EABC0;\n cursor: pointer;\n}\n\n/* Sales Box - Highlighted State */\n\n#sales-box.is-highlighted {\n position: relative;\n z-index: 1;\n background: #032438 linear-gradient(to top, #044368 0%, #000 100%);\n box-shadow: 0 0 15px 0 #000;\n border-bottom: 3px solid #262626;\n}\n\n#sales-box.is-highlighted a {\n line-height: 1.3;\n display: inline-block;\n font-size: 18px;\n color: #fff;\n text-shadow: 1px 1px 0 rgba(0, 0, 0, 0.5);\n background: none;\n}\n\n/* Ellipsis Loader */\n\n.pk-loader {\n display: inline-block;\n position: relative;\n width: 80px;\n height: 80px;\n}\n\n.pk-loader div {\n position: absolute;\n top: 33px;\n width: 13px;\n height: 13px;\n border-radius: 50%;\n background: #4BA8D5;\n animation-timing-function: cubic-bezier(0, 1, 1, 0);\n}\n\n.pk-loader div:nth-child(1) {\n left: 8px;\n animation: pk-anim-1 0.6s infinite;\n}\n\n.pk-loader div:nth-child(2) {\n left: 8px;\n animation: pk-anim-2 0.6s infinite;\n}\n\n.pk-loader div:nth-child(3) {\n left: 32px;\n animation: pk-anim-2 0.6s infinite;\n}\n\n.pk-loader div:nth-child(4) {\n left: 56px;\n animation: pk-anim-1 0.6s infinite;\n animation-direction: reverse;\n}\n\n.pk-loader-text {\n position: fixed;\n font-size: 12px;\n right: 20px;\n bottom: 20px;\n font-weight: lighter;\n}\n\n/* Utilities */\n\n.pk-message-title {\n font-size: 2em;\n font-weight: bold;\n}\n\n.pk-page-ready {\n opacity: 1 !important;\n visibility: visible !important;\n}\n\n@media only screen and (max-width: 600px) {\n .hidden-xs {\n opacity: 0;\n visibility: hidden;\n }\n}\n\n/* Animation */\n\n@keyframes pk-anim-1 {\n 0% {\n transform: scale(0);\n }\n 100% {\n transform: scale(1);\n }\n}\n\n@keyframes pk-anim-2 {\n 0% {\n transform: translate(0, 0);\n }\n 100% {\n transform: translate(24px, 0);\n }\n}\n",APP_TARGET="#target",MESSAGE_SELECTOR="#pk-status-message",PAGE_READY_CLASS="pk-page-ready",MESSAGE_TEMPLATE='',Renderer=function(){function Renderer(e){var t=this;this._domIsReady=!1,this.revealPage=function(){t.domNode&&t.domNode.classList.add(PAGE_READY_CLASS)},this.injectMetaDescription=function(e){if(e&&0!==e.length){window.document.title=e;var t=document.createElement("meta");t.setAttribute("name","description"),t.setAttribute("content","See relevant content for ".concat(e)),document.getElementsByTagName("head")[0].appendChild(t)}},this.domNode=document.querySelector(e)}return Object.defineProperty(Renderer.prototype,"domIsReady",{get:function(){return this._domIsReady},set:function(e){this._domIsReady=e,e&&this.injectStyles(PAGE_STYLES)},enumerable:!1,configurable:!0}),Renderer.prototype.message=function(e,t){if(void 0===t&&(t=""),this.injectHTML(MESSAGE_TEMPLATE),this.domNode){var n=this.domNode.querySelector(MESSAGE_SELECTOR);n&&(n.innerHTML=e)}t&&this.injectMetaDescription(t)},Renderer.prototype.salesBanner=function(e){if(e){var t=e.href,n=e.position,i=e.message,o=e.theme,r=document.createElement("div"),a=n||"",s="HIGHLIGHT"===o?"is-highlighted":"";r.innerHTML=t?'\n \n "):'\n ').concat(i,"
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\n "))},Renderer.prototype.adBlockMessage=function(){this.message("\n Ad block detected
\n Please disable your ad blocker and reload the page.\n ")},Renderer.prototype.errorParkingUnavailable=function(){this.message("\n An Error Occurred
\n Parking is currently unavailable. We'll be right back.
\n ")},Renderer.prototype.errorParkingServicesDisabled=function(){this.message("\n An Error Occurred
\n Services for this domain name have been disabled.
\n ")},Renderer.prototype.errorParkingNoSponsors=function(e){this.message('\n \n No sponsors\n
\n \n '.concat(window.location.hostname," currently does not have any sponsors for you.\n \n "),e)},Renderer.prototype.imprint=function(e){if(e){var t=document.querySelector("#imprint-text");t&&(t.innerHTML=e.replace(/(?:\r\n|\r|\n)/g,"
"))}},Renderer.prototype.injectStyles=function(e){if(e){var t=document.createElement("style");t.innerHTML=e.toString(),document.head.appendChild(t)}},Renderer.prototype.injectScript=function(e){if(e){var t=document.createElement("script");t.type="text/javascript",t.src=e,document.body.appendChild(t)}},Renderer.prototype.injectJS=function(js){js&&0!==js.length&&eval(js)},Renderer.prototype.injectHTML=function(e){this.domNode?(e&&(this.domNode.innerHTML=e),this.domIsReady=!0):(this.domIsReady=!1,console.error("An error occurred when trying to render this page. DOM node not found."))},Renderer.prototype.prerender=function(e){this.injectMetaDescription(e.domain),this.injectHTML(e.html)},Renderer.prototype.template=function(e){var t,n=this;this.domIsReady||this.prerender(e),this.injectStyles(e.stylesheet),this.imprint(e.imprint),this.salesBanner(e.salesBanner),this.injectJS(e.javascript),null===(t=e.scripts)||void 0===t||t.forEach((function(e){n.injectScript(e)}))},Renderer}(),Render=new Renderer(APP_TARGET),Type;!function(e){e[e.Failed=0]="Failed",e[e.Disabled=1]="Disabled",e[e.Redirect=2]="Redirect",e[e.Parking=3]="Parking",e[e.Sales=4]="Sales"}(Type||(Type={}));var State$2=function(){function e(){}return Object.defineProperty(e.prototype,"trackingType",{get:function(){return this._trackingType},set:function(e){this._trackingType=e},enumerable:!1,configurable:!0}),Object.defineProperty(e.prototype,"track",{get:function(){return!!this.trackingType},enumerable:!1,configurable:!0}),e}(),Disabled=function(e){function t(){var t=null!==e&&e.apply(this,arguments)||this;return t.type=Type.Disabled,t}return __extends(t,e),t.build=function(e,n){var i;switch(n===Blocking.BLOCKED&&(i="adblocker"),e.cannotPark){case"disabled_mr":case"disabled_rc":i=e.cannotPark}if(i){var o=new t;return o.reason=i,o.domain=e.domainName,o}},Object.defineProperty(t.prototype,"message",{get:function(){switch(this.reason){case"adblocker":return"Ad block detected
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\n ".concat(this.domain," currently does not have any sponsors for you.
");case"disabled_mr":return"\n Invalid URL
\n Referral traffic for ".concat(this.domain," does not meet requirements.
");case"js_error":return"\n An Error Occurred
\n Parking is currently unavailable. We'll be right back.
\n ";default:return"\n An Error Occurred
\n Services for this domain name have been disabled.
\n "}},enumerable:!1,configurable:!0}),Object.defineProperty(t.prototype,"trackingType",{get:function(){switch(this.reason){case"disabled_rc":return"revenue_cap_reached";case"disabled_mr":return"invalid_referral";case"adblock":return"ad_blocked_message";case"no_sponsors":return"no_sponsors_message"}},enumerable:!1,configurable:!0}),Object.defineProperty(t.prototype,"domain",{get:function(){return window.location.hostname},enumerable:!1,configurable:!0}),t.prototype.toContext=function(){return{cannotPark:this.reason}},t}(State$2);function unpackPHPArrayObject(e,t){var n=e[t];if(n&&!Array.isArray(n))return n}var Parking=function(e){function t(){var t=null!==e&&e.apply(this,arguments)||this;return t.type=Type.Parking,t}return __extends(t,e),t.build=function(e,n){var i=new t;i.domain=e.domainName,i.html=e.template,i.scripts=e.scripts||[],i.javascript=e.inlineJs,i.stylesheet=e.styles,i.imprint=e.imprintText;var o=unpackPHPArrayObject(e,"salesSettings"),r=(null==o?void 0:o.status)&&"NOT_FOR_SALE"!==(null==o?void 0:o.status);if(r){o.status;var a=o.location,s=o.message,c=o.link,d=o.type;i.salesBanner={message:s,href:c,position:a,theme:d}}return n.wantsToServeAds?i.trackingType="ctr":r&&window.location.pathname.startsWith("/listing")?i.trackingType="sales":i.trackingType="visit",i},t.prototype.toContext=function(){return{}},t}(State$2),Sales=function(e){function t(){var t=null!==e&&e.apply(this,arguments)||this;return t.type=Type.Sales,t}return __extends(t,e),t.build=function(e){var n=unpackPHPArrayObject(e,"salesSettings");if(n&&"NOT_FOR_SALE"!==n.status)return window.location.pathname.endsWith("/listing")?new t:void 0},t.prototype.toContext=function(){return{}},Object.defineProperty(t.prototype,"trackingType",{get:function(){return"sales"},enumerable:!1,configurable:!0}),t.prototype.init=function(e){window.context=e;var t=document.createElement("script");t.type="text/javascript",t.src=SALES_JS_URL,document.head.append(t)},t}(State$2),Redirect=function(e){function t(){var t=null!==e&&e.apply(this,arguments)||this;return t.type=Type.Redirect,t}return __extends(t,e),t.build=function(e,n,i){var o=unpackPHPArrayObject(e,"salesSettings"),r=e.zeroClickDelay,a=e.skenzoRedirect,s=e.skenzoUrl,c=e.showInquiryForm,d=e.canZeroClick;e.cannotPark;var l="",u=0,p="";if(i.cannotLoadAds?i.wantsToServeAds?(l=window.location.origin,p="no_ads_redirect"):(null==o?void 0:o.status)&&"NOT_FOR_SALE"!==(null==o?void 0:o.status)?l="".concat(window.location.origin,"/listing"):!1!==d&&((null==n?void 0:n.redirect)?(l=n.redirect,u=r||0,p="zc_redirect"):a&&s&&(l=s,p="skenzo_redirect")):!1!==d&&(null==n?void 0:n.reason)?(null==n?void 0:n.redirect)?(l=n.redirect,u=r||0,p="zc_redirect"):a&&s&&(l=s,p="skenzo_redirect"):window.location.pathname.endsWith("/listing")?"EXTERNAL_MARKET"===(null==o?void 0:o.status)&&(null==o?void 0:o.external)?(l=o.external,p="sales"):"URL"===(null==o?void 0:o.status)&&(null==o?void 0:o.link)&&(l=o.link,p="sales"):c&&(l="".concat(window.location.origin,"/listing")),l){var h=new t;return h.url=l,h.delay=u,h.trackingType=p,h}},t.prototype.toContext=function(){return{}},t}(State$2),browserState=function(){var e,t,n,i,o,r,a=window.screen,s=a.width,c=a.height,d=window.self,l=window.top,u=window.matchMedia,p=window.opener,h=document.documentElement,f=h.clientWidth,g=h.clientHeight;try{r=(new Date).getTimezoneOffset()/60*-1}catch(e){r=null}return{popup:!(!p||p===window),timezone_offset:r,user_preference:null===(e=null===Intl||void 0===Intl?void 0:Intl.DateTimeFormat())||void 0===e?void 0:e.resolvedOptions(),user_using_darkmode:Boolean(u&&u("(prefers-color-scheme: dark)").matches),user_supports_darkmode:Boolean(u),window_resolution:{width:null!=f?f:0,height:null!=g?g:0},screen_resolution:{width:null!=s?s:0,height:null!=c?c:0},frame:l===d?null:{innerWidth:null!==(t=null==d?void 0:d.innerWidth)&&void 0!==t?t:0,innerHeight:null!==(n=null==d?void 0:d.innerHeight)&&void 0!==n?n:0,outerWidth:null!==(i=null==d?void 0:d.outerWidth)&&void 0!==i?i:0,outerHeight:null!==(o=null==d?void 0:d.outerHeight)&&void 0!==o?o:0}}},TRACKING_URL="_tr",trackVisit=function(e,t){var n,i=e.callbacks,o=e.context,r=__assign({ad_loaded_callback:null==i?void 0:i.adLoadedCallback,app_version:version,caf_timed_out:null==i?void 0:i.cafTimedOut,channel:null===(n=null==o?void 0:o.pageOptions)||void 0===n?void 0:n.channel,fd_server_datetime:o.fd_server_datetime,fd_server:o.fd_server,flex_rule:o.flex_rule,host:o.host,ip:o.ip,js_error:o.js_error,no_ads_redirect:o.noAdsRedirect,page_headers:o.page_headers,page_loaded_callback:null==i?void 0:i.pageLoadedCallback,page_method:o.page_method,page_request:o.page_request,page_time:o.page_time,page_url:o.page_url,reportable_channel:o.reportableChannel,template_id:o.templateId,type:t,user_has_ad_blocker:o.user_has_ad_blocker,uuid:o.uuid,zeroclick:o.zeroClick},browserState());fetch("/".concat(TRACKING_URL),{method:"POST",headers:{Accept:"application/json","Content-Type":"application/json"},body:JSON.stringify({signature:encode(r)})})},State$1;!function(){if(!window.CustomEvent){function e(e,t){t=t||{bubbles:!1,cancelable:!1,detail:void 0};const n=document.createEvent("CustomEvent");return n.initCustomEvent(e,t.bubbles,t.cancelable,t.detail),n}e.prototype=window.Event.prototype,window.CustomEvent=e}}(),function(e){e[e.Pending=0]="Pending",e[e.Loaded=1]="Loaded",e[e.Failed=2]="Failed"}(State$1||(State$1={}));var Provider=function(){function e(e){var t=this;this.timeoutSeconds=5,this.handlePixelEvent=function(e){switch(t.state){case State$1.Failed:break;case State$1.Pending:setTimeout((function(){return t.handlePixelEvent(e)}),100);break;case State$1.Loaded:t.onPixelEvent(e)}},this.watch=function(){switch(t.state){case State$1.Loaded:case State$1.Failed:break;case State$1.Pending:t.isLoaded()?t.state=State$1.Loaded:t.isTimedOut()?t.state=State$1.Failed:setTimeout(t.watch,50)}},e&&e.length>0?(this.identifier=e,this.state=State$1.Pending,this.timeoutAt=new Date,this.timeoutAt.setSeconds(this.timeoutAt.getSeconds()+this.timeoutAfter()),this.injectPixel()):this.state=State$1.Failed}return e.prototype.injectPixel=function(){this.injectedAt||(this.injectedAt=new Date,this.inject(),this.watch())},e.prototype.inject=function(){var e=document.createElement("script");e.text=this.script,document.head.appendChild(e)},e.prototype.isTimedOut=function(){return+new Date>=+this.timeoutAt},e.prototype.timeoutAfter=function(){return this.timeoutSeconds},e}(),Facebook=function(e){function t(){return null!==e&&e.apply(this,arguments)||this}return 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__extends(t,e),Object.defineProperty(t.prototype,"script",{get:function(){return""},enumerable:!1,configurable:!0}),t.prototype.inject=function(){var e=document.createElement("script");e.src="https://assets.revcontent.com/master/rev.js",document.head.appendChild(e)},t.prototype.onPixelEvent=function(e){window.rev("event",e)},t.prototype.isLoaded=function(){return!!window.rev},t}(Provider),Taboola=function(e){function t(){return null!==e&&e.apply(this,arguments)||this}return __extends(t,e),Object.defineProperty(t.prototype,"script",{get:function(){return"window._tfa = window._tfa || [];!function (t, f, a, x) {if (!document.getElementById(x)) {t.async = 1;t.src = a;t.id=x;f.parentNode.insertBefore(t, 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La banca e il gatto di Heisenberg

In questo fine settimana sto leggendo Incertezza di David Lindley, uscito nel 2008 per Einaudi. Narra dello sviluppo della fisica quantistica, e in special modo della formulazione del principio di indeterminazione da parte di Karl Heisenberg (per una volta non c’entra Breaking Bad). Lindley ripercorre le mosse che portarono Bohr, Born, Schrödinger e Heisenberg a comprendere che, a differenza di quanto avviene nella fisica classica, quando si entra nel dominio dei quanti non vi è la possibilità di determinazione certa di parametri semplici quali velocità e posizione delle particelle.
Per un caso di synchronicity, proprio in questo fine settimana sono capitato sul sito dell’Unicredit, che tra le schermate in alternanza proponeva quella raffigurata qui sopra. Vi è pubblicizzato il prestito CreditExpress Dynamic, grazie al quale la ragazza della foto ha potuto realizzare il proprio desiderio di andare a Parigi. Tra l’altro, mica la Polinesia francese, tanto per non cambiare lingua, ma Parigi, dove un centello basta per un biglietto aereo low cost, e con GuesttoGuest si sta senza spendere un centesimo, ma non stiamo a giudicare le necessità alberghiere dell’amica occhialuta: magari la signorina in questione alloggia al Four Seasons, da qui la necessità di un prestito.
Ora, mi si dirà: dove sta la synchronicity? Basta osservare la frase a corredo, sotto “CreditExpress Dynamic”. Eccola: “Il prestito personale che potrebbe permetterti di avere una rata sostenibile”. Ci ho ragionato un po’ su, ed espongo qui di seguito qualche risultato.
Contenendo la frase il condizionale, l’evento “potrebbe permetterti una rata sostenibile” è possibile, con probabilità non nota, ma si deve pure dare come possibile l’affermazione “potrebbe permetterti di avere una rata non sostenibile”, che contempla l’evento complementare, non incluso nel caso dell’indicativo. Infatti, se fosse stato scritto “può permetterti”, se ne conviene che “non può permetterti” è negazione non contemplabile come possibilità. Invece, con il condizionale si vuole ammettere come caso possibile quello per cui il prestito permetta una rata non tollerabile per chi contrae l’impegno.
E’ questione appena più sottile, ora, dire se la rata sia intollerabile per il contraente prima o dopo l’avvio della pratica. Ragion per cui vale la pena immaginare entrambi i casi.
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Caso Primo: si può verificare in due sotto-casi.
Sotto-caso A: un ipotetico cliente, letto l’annuncio e desideroso di trascorrere una vacanza a Budapest con amici più facoltosi, comprende prima della firma che la rata del prestito per lui non è sostenibile. Immaginava il gruzzoletto scomposto in una teoria di pagamenti mensili che avrebbero reso possibile il proprio sogno. Ma l’applicazione del tasso di sconto praticato dalla banca rende il fio mensile così maggiore del risultato della semplice divisione della somma complessiva per il numero di mesi, che il tapino rinuncia, china il capo e prende la porta dell’Istituto. Trattasi di persona alla quale è corretto non concedere fiducia.
Sotto-caso B: il cliente esce dall’edificio che ospita la filiale poiché non è stato giudicato solvibile, disponendo di reddito troppo ridotto, o risultando già esposto su altri fronti. Poco male, invece di Budapest gli toccherà ancora una volta la gita fuori porta. In vettura, qualora ne disponga di una; in difetto, con mezzo più modesto.
Caso Secondo: il cliente riesce a ottenere l’erogazione del prestito, ma si rende conto in un secondo tempo che la rata non è più sostenibile per le proprie facoltà economiche. Salta il pagamento di una rata, poi di un’altra, di un’altra ancora, e pur recando con sé il ricordo della bella vacanza passata a Budapest (quella bionda con gli occhi color asfalto gli ha pure rubato un pezzo di cuore), deve a malincuore sopportare il pignoramento del proprio scooter.
Ora, il Caso Secondo non è e non deve essere affare della banca. O meglio, lo è ed è in pieno nei pensieri della banca proprio nel momento in cui propone un prestito con tasso di interesse attorno al 10%. Oltre all’attualizzazione del capitale, questa percentuale tiene conto proprio dei rischi connessi al prestito, ossia il recupero del credito in caso in insolvenza, il pignoramento, le pratiche relative. Firmato il contratto, la transazione è considerata equa da entrambe le parti, sicché nessuno può più avere ripensamenti giustificati.
Ma il Caso Primo, in particolare nel suo Sotto-caso B, è ottima manifestazione del principio di indeterminazione. Ossia, lo strumento finanziario è sospeso in un limbo, nel quale le rate che può produrre non hanno (ancora) manifestazione. Così come il gatto di Schrödinger è potenzialmente vivo dietro la porta. E’ il cliente a determinare la caratteristica della rata, così come l’osservatore, in ragione della propria attività speculativa, fa realizzare una delle eventualità previste per la sorte del gatto. E’ il cliente a scoprire, condizionando attivamente il sistema messo in piedi dalla banca, se sarà degno oppure no dell’erogazione del prestito. Che non è dynamic a caso, con buona pace di Newton.
Siamo in presenza della banca quantistica, che non distribuisce certezze, ma eventi probabilistici. Per equità, a questo punto, dovrebbe essere pubblicizzato il cliente quantistico: “Giovanni, il cliente che potrebbe ripagare con regolarità il proprio mutuo”. Purtroppo, ho idea che già esista.

Quello originale (non quello di Breaking Bad)
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