@techreport{blackridge_compounding_fee_drag_20260920,
  author      = {{BlackRidge}},
  title       = {{Compounding Fee Drag}},
  institution = {BlackRidge},
  type        = {Research report},
  year        = {2026},
  url         = {https://blckridge.com/research/compounding-fee-drag-20260920/},
  note        = {Research synthesis. Original sources are credited in the report.}
}