It might be the beer I am drinking but am I the only one that thought a lot of the lets should be const?

I think you got that backwards. My theory which I have no stats for is that young drivers are more likely to kill themselves and older drivers are more likely to kill pedestrians and crash into buildings.

From your link “Except for drivers 80 years and older, per mile driven, young drivers are more involved in fatal crashes than older drivers.” and the stat “5.4 for drivers 80+”.

Those stats also was about drivers involved in a fatal crash. It doesn’t mention if the driver killed themselves or a pedestrian.

Stocks on the Nasdaq and the rest of the USA exchanges are at T+1, transaction date plus one day. So they settle the next business day not in 2 to 3 days like you mentioned.