Let \( M(\chi)\) denote the maximum of \( |\sum_{n\le N}\chi(n)|\) for a given non-principal Dirichlet character \( \chi \pmod q\), and let \( N_\chi\) denote a point at which the maximum is attained. In this article we study the distribution of \( M(\chi)/\sqrt{q}\) as one varies over characters \( \pmod q\), where \( q\) is prime, and investigate the location of \( N_\chi\). We show that the distribution of \( M(\chi)/\sqrt{q}\) converges weakly to a universal distribution \( \Phi\), uniformly throughout most of the possible range, and get (doubly exponential decay) estimates for \( \Phi\)'s tail. Almost all \( \chi\) for which \( M(\chi)\) is large are odd characters that are \( 1\)-pretentious. Now, \( M(\chi)\ge |\sum_{n\le q/2}\chi(n)| = \frac{|2-\chi(2)|}\pi \sqrt{q} |L(1,\chi)|\), and one knows how often the latter expression is large, which has been how earlier lower bounds on \( \Phi\) were mostly proved. We show, though, that for most \( \chi\) with \( M(\chi)\) large, \( N_\chi\) is bounded away from \( q/2\), and the value of \( M(\chi)\) is little bit larger than \( \frac{\sqrt{q}}{\pi} |L(1,\chi)|\).
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