I'm so late in getting here! yes, you need to power down - week after week. Then the steem comes in as projected above. You can sell in through blocktrades or convert it to sbd in the market. In my experience, the market is a better rate - but not by too much and maybe not worth it. I hope you are doing ok - I saw you were not posting much through my steemdunk and so stopped by to check things out. Hang in there - as I am doing too :(