Answering my own question, Wikipedia has an article on "ice spikes" which discusses the physics around their formation. The natural world is endlessly fascinating!

Link to the source: www.hawley.senate.gov/classic-coll...

One might recall that it was the Reagan administration that got rid of usury laws which has led to the absurdly high CC interest rates in the first place. I certainly did not see the Republicans reversing course on usury. Time will tell if this actually amounts to anything other than grandstanding!

Thanks! I don't think scribing saves any time but I think it produces a cleaner look. There are of course places where molding makes sense like crown molding. I also scribed the cabinets to the walls on both ends.