A well detail explanation you have given here my friend. You are right about investing in steem now because it is one of the cryptocurrency with much potential. Your predication of the price of steem to hit 0.4$ at the end of the year is quite possible. Recently we saw the bullish movement that took the price to about 0.37$ and with that we believe any other move may push it to the point you have predicted. I wish you success in the contest dear friend.