>without much risk for a while. > There was some technical risk, but These statements are a bit at odds. "But it never actually occurred" is a statement of

>without much risk for a while. > There was some technical risk, but These statements are a bit at odds. "But it never actually occurred" is a statement of chance, not risk. I also suspect you are downplaying significant systemic risk. "Withdraw at anytime" could go away quite easily in several scenarios.