Thanks for your insight on XRP. There are really interesting thoughts on it both ways (for and against XRP).

If you're interested, I still have a prediction competition that's open until 1/31. Winner will get 10 XRP. I won't spam the link here but it can be found near the bottom of my blog if interested.

My prediction is $9, but that's only if they are added to Coinbase this year, which I still think there's a good chance of that happening even though earlier reports were shot down.

Thanks again for the insight. Take care.