I like the clarity, but how do you keep coins in circulation when melt value climbs past face value—do you adjust face values, change metal content, or offer on-demand redemption at spot minus a small fee to close the arbitrage? Are the silver certificates and the electronic dollars both redeemable for metal on demand with audited reserves and tight spreads, and who sets the spot price you honor? How exactly do you grandfather existing coinage without creating two prices for the same unit in daily use? Also, what’s your plan for decimal cents when metals jump fast, so payouts and change don’t get messy?