There are so many articles and videos on FM explaining what it is and its history, but I haven't seen any on how to use it.
There are lots of algorithms, but it seems its hardly any reason to use one over the other except for where the feedback is (to create subtractive style waves) or the number of carriers.
Its a chaos engine, and there are some gold in there, but nobody really knows how to find it.
If you know any source that gets into an actually useful FM workflow, please share!
But isnt this just kind of a negotiation price?
In reality insurance companies will negotiate and make deals with lower prices, and people will still be covered for the same insurance cost, right?
Disclaimer: Not from US and I dont understand much about your insurance based health care system.
Absolutely.
I love audio design, synthesis and making music, but I have rarely released anything.
It took a long time for me to realize and accept that I do this for my own entertainment and not to be a successful musician.
Its just a hobby.
Saturation and exposure isnt really "editing", because all photos must be developed from the raw data. Most of the time your camera develops it automatically (and often get things slightly wrong), and many people like to develop raw photos themselves vith apps like snapseed.
Oversaturated photos should be considered flawed, but not disqualified.
Employing people just in case they one day innovative something.