It was there - regarding the 5% but to someone not familiar with the concept, I can see how it could be overlooked. What I wish the developers would do is make wallets "mass" usable , and with clear explinations. "Encrypt Wallet", backup, staking - I understand it but my wife looks at it as if it was written in a different language. I am certain the near future will bring a easier user interface. I still remember the days one would have to put in a command string to get a printer to print landscape or the old DOS commands to change directories. Anyone over 40 knows what I am talking about.