well this is what schwab sent me via e-mail:
  hank you for your e-mail. We do appreciate your business.
  At e.Schwab, we strive to maintain a goal of responding to all SchwabMail inquiries within 24 hours.  As part of our commitment to this high quality standard, we are unable to respond to e-mail by a specified time, or to respond by telephone.  If you require more immediate attention, please feel free to call us at our e.Schwab Customer Service number: 1-800-362-6789.   Most calls, however, are subject to a $5 fee.
  As you know, the market activity of the last few days has been unprecedented.  Because of the extremely high volume on the Internet Tuesday, the system was running unusually slowly and, in some instances, created a timed-out error when customers attempted to log on.
  We at Charles Schwab & Co., Inc. are making every effort to provide our customers with the most accurate and timely service possible.  We have taken steps to minimize the impact of this highly volatile market activity on our customers by enlisting additional personnel and increasing capacity for electronic access.
  , we apologize for any inconvenience you have experienced.  We can assure you that the difficulty you experienced was extraordinary and resulted from unusual market conditions.  We encourage you to contact us at 1-800-435-4000, or 1-800-362-6789 for e.Schwab Customer Service, when you have difficulty accessing Schwab through electronic means.
  If you have any further questions or concerns, please do not hesitate to contact us.  Thank you for using Schwab's Electronic Brokerage Services.
  Sincerely,
  Chuck Moss Schwab Electronic Brokerage Services |