Quick maintenance note: A few people today asked why they couldn't log into my site. And, in each case, I ascertained it was because they had never registered at Credit Writedowns. I kind of hate having two platforms - Patreon and Credit Writedowns - because of the confusion it causes. But, bear with me until I consolidate things onto my own site. In the meantime, note that you have to register for Credit Writedowns separately from Patreon. Please ping me if you have any questions on this. My email is edh at credit writedowns dotcom.