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Thanks for the thorough writeup! I agree that our implementation seems to solve your use-case.

Let me provide you with a bit more context about the house buying use case. When buying houses you need to keep a chunk of money (around $60k) available to wire next day for a "good faith deposit" in case you're the winning bid, and it's quite a waste to keep that money in a checking or savings account (since the house buying process can take months).

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Since Financial Choice only allows 50% accessible in Instant Access, in your home buying example I would need to have $120K in my account to make a $60K transfer (ignoring the possibility of a market downturn). Is a long term goal of Financial Choice for users to treat this less like a checking account where you hold cash for near term spending and more like a one-stop shop where all your assets are held?

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