In case you weren't aware -- in typical Schwab fashion of being 10 years behind everyone else, we're in the process of building out an offshore campus to reduce costs.
This will be heralded as a cost savings / quality increase measure vs offshore contractors (Dennis's messaging is already leading folks this way) and, of course, will inevitably lead to onshore staff reductions as well.
As a reminder, keep those resumes updated and if an opportunity comes along that enables you to leave this he-l hole, you may want to seriously consider it. Schwab will not hesitate to cut whoever/whenever they want just to pinch a penny and your contributions do not matter to them at all.