My son works for a small company that puts on all of Schwab’s events. He does them himself and they were his main client. I’ll never forget him telling me in Sept 2019 that Schwab had no events planned anywhere in the country in 2020. He attributed it to them making a guess there would be a severe recession after many months of a good economy. At the time people were saying we were due for a downturn. But now we know they knew the pandemic was coming. It was planned and Schwab was in on it.