ya my husband and I are now forced into a crash course in trading to make ends meet while we hodl a few things, trade a few things... it sucks to go from one extreme to another but at the same time some good things have come from it. we only had our money held for 120 days before r.o.i. but it never made it that far... we were on track to be millionaires within the year. now Davor has taken a shit too. lending is too taboo right now. glad I talked the hubs out of getting into lending with them. I do believe things are about to bounce back real soon. exciting things still to come in 2018. I even believe the bitconnect x exchange will give us some investment back by revaluing the bitconnect coin. ah, such is the volatile nature of crypto! still, we have both quit our jobs and been living in hawaii since November so it's not all bad! :)