✅ How does this code call System.Text.StringBuilder.ToString?

        public bool PersistSettings()
        {
            bool succeeded = false;

            try
            {
                lock (thisLock)
                {
                    if (!hasChanges)
                    {
                        return true;
                    }

                    BackupSettingsFile();

                    using (StreamWriter writer = new StreamWriter(settingsFile))
                    {
                        writer.Write(JsonConvert.SerializeObject(settings));
                    }

                    hasChanges = false;
                    succeeded = true;
                }
            }
            catch (Exception e)
            {
                RestoreSettingsFile();
            }

            return succeeded;
        }