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Not sure if i recall your question about steem, but the important thing to remember is you earn rewards based on your steem power.

But those rewards are also tied to the price of steem on the marketplace outside steemit. So simply with these changes your rewards percentage will go down. This means that compared to last week you will earn less points for your posts, and comments.

However these changes will (hopefully) improve and stabilise the price of steem. As the rice of steem improves outside the website your rewards will improve. So you will get more money not because of better rewards, but because the price of steem has stabilized and gone up.

LOL I hope that makes sense, the changes mean you will get fewer rewards points, but those rewards points will be more valuable; that means more money for Karen . . .

What i am stuck with is
Savings wallet
Steem and sbd i have money in the Steam dollars i also have steem.. what happens when i click withdraw stee

those savings accounts have a small arrow, all you do is ask to get the money back out.

The system will automatically withdrawl your steem (and / or ) steem dollars out of those locked savings accounts and back into your normal spending steem ( and / or ) steem dollars automatically after three days.

all you need to do is click that small arrow and select how much want to withdrawal automatically after the mandatory system wait time of three days . . .