I'm usually logged out, so I only upvote if it's worth my typing in my password to log in. I don't have enough points (263) to downvote. I should probably eng

I'm usually logged out, so I only upvote if it's worth my typing in my password to log in. I don't have enough points (263) to downvote. I should probably engage more. (I logged in to upvote the Schwab post. This comment was secondary.)