It is not speculating in the sense that BTC is speculating.
XRP's already have a pre-planned *FIXED* value. We just don't know what it is. That is why I was asking for somebody to send me XRP. Then we would see how much is MISSING.

In other words, what is their transaction FEE in XRP.
They already told us their transaction fee in USD ($0.0001).
If I could see the the transaction fee in XRP, the FIXED rate is simple division.

If anyone is interested. My ripple address is:

rHUipvsbBKagmU5qxFYCVfRoHKkBaYztm2

I'll send the coins right back. That is indeed the point of the exercise.