An excellent idea suggested by the @rival and quite rightly noticed, is that it's very getting noticeable useful, and if it becomes possible right away for multiple accounts, then generally it's fine! You and your team are 100% trying, well done! For the SBD I will answer so if there is an opportunity to save, then I save, but if it is required for any needs for life, then to sell some. Thank you Mark and keep us informed of what's happening!