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RE: Why the 100% payout option is really closer to 70%
That is a tough one to answer as it depends on whether the price is going to go up or down in the next 3.5 days. When you go to convert SBD to Steem you get the following message which I think sums it up nicely
The conversion amount depends on many factors including fluctuating market prices, witness price feeds, and witness price feed biases.