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Answer - because it's fun thinking things through,
can build an online friendship of sorts,
sometimes manages to contribute to a conversation,
and can sometimes be helpful.
Ask - because it contributes to the variety of experience here and
the answers can sometimes surprise, interest, inform or amuse.
Asking implies that either there is something I don't already know or that I genuinely care about your opinion or experience. Therefore, I prefer answering. :)