You are wise beyond your year @benjojo - tha Steemit is an innovative construct certain to enrich its creators but with apparent fatal flaws. It is good people like you who can far better formulate the very questions I have as a knee-deep user and self proclaimed "crypto-dummy" who has poured an average of 10+ hours into this place per day for nearly a full 90 days only to realize a buck-fifty-eight or so in 'worth'. I am looking forward to hearing the answers to your Q's.....from those in-the-know . . . .