$MVST if anyone still has lending agreements with their brokers to allow them to lend your shares out, I recommend ending it now. all of these excess shares lended out are what's been allowing shorts to drop the fucking hammer on us. interest rate from schwab sucks right now anyways. if you don't know if your broker is lending your shares, call and ask, and if yes, specifically tell them to no longer lend your shares. unless you are on margin, they cannot give your shares our without your consent, or at least against your wishes. if they tell you to kick rocks, transfer to another brokerage - schwab specifically does not lend out shares unless you enroll in their SLFP program