Ah you're right. Thanks. That was driving me crazy. I should have learned by reading substantive comments found elsewhere. This one below, for example, struck me as exceptionally substantive and now I can see why it hasn't been voted below zero:
"I don't want to show up to work sweaty. And I want the utility of a vehicle if my plans change. So I'll drive regardless."
> IME, approximately 10% . . .
How is this substantive?