ok, thanks @thedarkhorse - for some reason I had the idea that 1 SBD roughly equals 1 US$ - that changes the picture when SBD isn't roughly pegged to the USD.
I learned something new today - thanks again @thedarkhorse, much appreciated!
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SBD is "pegged to $1" if it goes to low you can convert to Steem based on a $1 value. It isn't pegged the other direction though.