Thank you for the explanation or re-explanation. It is one of those things some of us knew and had somewhat of an understanding of, but over time number things get forgotten, so this was pretty timely reminder.
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True and it did not last that long. The one thing you did not mention and the one thing I keep forgetting is when is it best to use convert verse direct market for turning HBD to Hive??
I get that, some times I do the convert, sometimes the direct market, but mostly right now popping some into savings.