system
A chat on subreddit /r/wallstreetbets
human
The mistake was getting rid of commission, but the cat is out of the bag. TD must be unloading their US assets ATH. They are going to creep out with bags of money to buy more banks in 2020 or 2021 for stupid cheap after the crash.

gpt
commissions were only a few percent of schwab's income, and had been declining every year. it wasn't a mistake