You posted in the thread that "You didn't like the change. The only change we are making is that we're now going to make you claim it monthly. You can still hoard it though I realize this is a bit of a pain but honestly it's the best compromise we could come up with that solves the problems I mentioned in the other thread. ". This makes no sense. If we must claim it each month, credit is automatic so the actual claim makes no sense, that means you must be referring to using it. If we must use it how can it be hoarded? Am I missing something here? Before I go back to GOLD I would like to understand this better. I know I must be misreading or misinterpreting something.