Yes, I agree with the SBI as a long term investment in the users creation but some would want SBD for holding and powering up, if you wait the exchange rate could drastically increase like before. But right now we should be exchanging the SBD with the secret convert command which will erase the SBD and help the price of Steem via less SBD debt while still getting you the pegged value of exchange which currently is at a profit.

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