Last I heard they said that it willome gradually over time the payouts fore downtime+ extra for compenstions. For dificulty side of the case you are fucked if you don't have massive amount of mining power an can reeinvest to keep on top. Every miner need to expaand to compeet, no different fore you. You just get a mining company to host it fore you. If you are serious about mining from home I will recomend you check out cryptonomos.com
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