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RE: Steem dropping! Oh no!
Right now, you don't have to worry about your account. You have to grow your account value by creating content and powering up....keep rerolling the money.
I suggest you do 50/50 on your blog. Remember you we only get 75% of our blog earning the 25% goes to the "curators" the people who upvote your account. I'd like you to research about this. So you'll understand more.
I'll get back to you as much as I can. I have to get some sleep it's already noon here.
TC