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Except for what I need for contest payouts, I power up all SBD and Steem right away, so I never have much they could get their hands on!

Neither have I. But can they ask for a power down?

If you see that someone initiated a power down, you can alert the appropriate people and stop your funds from being stolen. That is one of the benefits of the way powering down works.

Thank you Melinda, it's good to know.