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Sorry I took so long to get back to you. I did read your post before, not long after you posted it. I think that your profitability threshold is too high, but otherwise you have some good points. Why would you expect a 100% return each time? That's what would be required to get your SBD back and have the same in STEEM. I've been running around 14% and I'm happy with it, but then I don't have to live off of the income from it, either.