Compound interest is truly magical! It's one of those things that makes an investment much more appealing. I don't know if you ever watched the show Futurama where Fry is frozen for 1000 years. Upon checking his bank account that had 98 cents in it was worth 4.3 billion after 1000 years.

COTI should pay off really nicely for you, as should HIVE. I absolutely love compound interest!
!DHEDGE