<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>noelwelsh</author><text>Consumer banking has radically changed. I can&amp;#x27;t comment on needing a residence to open a bank account to get a residence, because although I ran into the same issue when I first came here it&amp;#x27;s been a long time since that was a problem for me. In other aspect personal banking is much much easier. Many banks allow you to open accounts online, for example.</text><parent_chain><item><author>masklinn</author><text>Sounds like English banking has not changed much from 20 years ago, when I needed to spend 3 months in the UK, had to have a uk bank account to rent a flat, but needed an English residence to open a bank account.</text></item><item><author>ricardobayes</author><text>The business enviroment is a lot better in the US, a friend just started a company there, got an unsecured 80k line of credit at 1.5% on a fresh LLC. This kind of thing doesn&amp;#x27;t exist in the UK. I know people who couldn&amp;#x27;t even get a 5k overdraft after 2 years in business (and profitable).</text></item><item><author>Thev00d00</author><text>Bit of a downer for the UK to see them list in the US, I do understand they just want access to the most capital, but I find a shame LSE is not competitive for this kind of thing.</text></item></parent_chain></comment><story><title>Arm Announces Public Filing for Proposed Initial Public Offering</title><url>https://www.arm.com/company/news/2023/08/arm-announces-public-filing-of-registration-statement-for-proposed-initial-public-offering</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>googamooga</author><text>Yeah, and to prove your English residence you have to provide a paper bill from a utility company (water or electricity) with your name and address on it. Which adds another 3 month as those utility bills are on a quarterly basis. Crazy stuff...</text><parent_chain><item><author>masklinn</author><text>Sounds like English banking has not changed much from 20 years ago, when I needed to spend 3 months in the UK, had to have a uk bank account to rent a flat, but needed an English residence to open a bank account.</text></item><item><author>ricardobayes</author><text>The business enviroment is a lot better in the US, a friend just started a company there, got an unsecured 80k line of credit at 1.5% on a fresh LLC. This kind of thing doesn&amp;#x27;t exist in the UK. I know people who couldn&amp;#x27;t even get a 5k overdraft after 2 years in business (and profitable).</text></item><item><author>Thev00d00</author><text>Bit of a downer for the UK to see them list in the US, I do understand they just want access to the most capital, but I find a shame LSE is not competitive for this kind of thing.</text></item></parent_chain></comment><story><title>Arm Announces Public Filing for Proposed Initial Public Offering</title><url>https://www.arm.com/company/news/2023/08/arm-announces-public-filing-of-registration-statement-for-proposed-initial-public-offering</url></story>