"Freedom is not the absence of commitments, but the ability to choose—and commit myself to—what is best for me." – Paulo Coelho, The Zahir Historically, one of the biggest impediments to Pinto (and Bean) utility has been the excessive volatility in the yield earned for continuously holding Pinto. During growth cycles, the return from Silo Deposits can be tremendous (e.g., 3 or 4 figure APYs); during periods without any growth, the APY can be at or near 0 for months on end. Such volatility in ...