I guess aggroed was correct about HF19. He predicted it might not solve anything and just complicate things.
As for the numbers: 1/4 of 4 is 1, which is what I'm now sometimes down to. and 1/4 of 12 is 4 for you.
Do you know anyone who is selling Steem now? Its a good time to buy, but I don't want to use an exchange. I suppose one could use PayPal to pay for Steem and the seller could simply transfer it to the buyer's wallet.