I don't feel that people understand the complexity of HF20. It is one thing to rewrite a program... it is another to rewrite an entire Blockchain or in this case a major section that affects every member. It is a real tough choice to move forward. I believe it takes more guts to make a change like that and stick with it than to back out because it is not friendly to the average person. There is a high level of expertise required to manage day to day operations and testing an environment with this many transactions and activity. Then testing in a simulated environment with millions of clients is the next challenge. As many people are aware sometimes testing does not show true results until you push your code live to a production environment... there is simply some unknown factors. In short, if you are hear for the high price and short term profits you might consider speculation where risk is high but, profit is also high. I will now step down from my soap box and allow the comments to continue! :)