As time d-r-a-g-s on, WHEN is Hillary going to be formally charged and indicted?

It's not obvious no laws were broken, but it's also not obvious that there were laws broken. That's why the FBI is investigating: to determine the facts. Their job is not to come to some conclusion that appeals to you or me. Their job is to determine the facts and make a recommendation. The outcome is not predetermined; otherwise there would be no need for an investigation in the first place.
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Nixon was never indicted.