one more thing...
i do want to point out one more thing. for any given month, you have the amount withdrawn expressed as a percentage assigned to some variable. i think that whatever is withdrawn, it's only be a fixed amount enough to sustain operations. anything else will be left into SWARM to grow. by withdrawing a percentage everytime, then that amount gets larger as the money in the system get larger, and therefore, the overall grow isn't as rapid.
sb:)