I mean this is basically ford. What is XL XLT and LARIAT even mean for example.

Always wanted am x3, just such an oddball thing, I love this. I had a 965 x4

You are correct that if it drains to zero every year that is an FSA for sure

Of course, it’s not a massive menu of investment options but it has all the basics like SP500, target date funds, bond funds, dividend funds, etc. The cash portion, and it is literally called a savings account, is really bad rate, this 0.05% rate is really good compared to mine 😂. For my plan you have to keep at least $1000 in the savings account before you can invest.

My HSA interest rate is actually 0.01%

This is FSA not HSA