SP is included, but the SBD value is calculated at face value not market value (the $3 is valued at $3 not $12). But those same Steems (Steem and Steem Power are the same token) have not lost their value, they just moved from binance wallet to steem wallet.
The estimated value can be tricky, because it is based on a weighted average market price (you can see this price on steemnow.com, and if you click on the price in the upper right corner, it will show you a graph). The average market price of steem has fallen recently (but has risen over the medium term). When each steem was worth over 8 dollars, your account might have been estimated at $80 dollars or more. Now, those same steems are only worth $35. Did you lose money? No! You still have the same stake as before, but the valuation went down. It will go back up, and down, and up many times in the future as in the past.
You can power down your steem power and you will get 1/13th, (in your case about 0.85 steem) each week for 13 weeks, until all of your steem power is again in liquid (moveable) steem tokens.
Blessings!
Thank you so much. I really was not on here to get rich. I just wanted to understand the way everything works. I view the wallet part as like getting gold stars from a teacher for a good paper. One last question if you don't mind? Do you think it would be beneficial to move the rest of my STEEM over and power up? Sorry if I ask dumb questions.
Nevermind to my last question. I got my answer. Thanks again