although I agree expanding is the way to go, I also think we should move forward with this idea and see how it goes before it becomes too complicated.
Remember this is a test idea, lets flesh it out before grabbing another 500K.
I would also suggest some dummy holding accounts instead of each individual person. Check with 711, he may bend the rules to give you more logins, or may have the ability to increase individuals efd amount above 500K....(which would be the best way to go IMHO)
Just my 2 pecs.
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