Honestly, that's wild. I bet a ton of people don't even know to check their own state's rules on that stuff. Makes you wonder what else in those contracts is just there to scare you.

Ever try those stainless steel hose washers? They're a total game changer for leaks.

What about smart plugs for lamps? I thought they were pointless until I got one for a floor lamp in the corner. Now it's on a schedule so I never have to fumble for the switch, and I can turn it off from bed. It's the cheap gadget that made the whole smart home thing click for me.

Tell me about it. I swear by getting a good surge protector now, it buys you some extra time at least.

That 40 point drop is brutal but makes total sense. What was the credit limit on that card you closed? Losing that available credit probably hurt your utilization ratio too.