Democrats are in a panic. President Biden’s disastrous debate performance has members of his own party debating whether and how to move him off the ticket. The more important question might be when.

       Campaign finance rules create an incentive for Mr. Biden to stay in the race through the Democratic National Convention in August. At that point, but not before, Mr. Biden would be able to transfer his campaign’s anticipated $100 million war chest to Vice President Kamala Harris, assuming that she, too, is still on the ticket.

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