Fred Krueger:   There seem to be a lot of financial advisers trying to sell fear. They all write adviser letters and want you to sign up for a price. From what you said recently, I am guessing that everyone that is receiving some sort of remuneration for advice is required to be registered or licensed by or with the SEC. Is that correct?

Tony Pizza:   Sometimes after a startup, if I use my browser or Word, things hang up and I see “Not Responsive”. After a minute it goes away, but may repeat. Then everything works OK. My PC only has 4 GB ram, but once it gets past the delays, it works fine even with multiple apps and web pages open. What’s it doing, I don’t see any major use on Task Manager? Defender? Update?

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