Thank you. I've withdrawn the HBD from savings. I hope (?)it then becomes liquid Hive. At that point I hope (?) I can convert to Hive. If not, maybe I'll just give whatever it is slowly as gifts to other users.

You can see I blog regularly and happily here, but have no idea about how the finances work. That's why I have lemouth as my proxy. I trust him and he knows what he is doing.