Just one think I thought about.
This is from the Bank Info:
"EFD Savings account earns 1% interest every 30 days. Maximum savings balance: 500,000.00 EFD. There are no fees or limits on EFD transfers in the EFD bank, or to other members."
This could be read such that if you have exactly 500,000 EFD in your account, you will NOT get any interest, because the interest would put it above 500,000.
Do we _know_ how this works?
If not, you should limit the number of shares to 495000 or so, to make room for the interest.
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