It all seems too complicated to me... Why not just let the Hive Power Build Up and do the Weekly Power Down to pay everyone for the use of their Hive Power...??? I like being able to watch the SGS Hive Power building up... I liked being able to use Weekly Power Downs, when I needed it... Do the same thing you'd do with your own Hive Power...
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If I needed to keep some liquid funds on hand to pay weekly expenses on my own account this IS what I would do.
The issue is that if it's powered up it can only be accessed 1/13th per week (Powerdowns take 13 weeks). That won't cover the bills. This is why it has to stay in a more liquid form when the current powerdown alone can't cover the weekly expenses.
I didn't realize you were at a Maximum Power Down level...