I have a few questions regarding this ICO.

(1) Assuming the top part of the whitepaper on page 17 is in USD, average monthly loan release is 7,745K. Int at 2.99% yields 231K of which up to 20% will be for the investors = 46K per month. Or ~555K for 2019. At max 50M HERO tokens, that translates to about 1 cent of income per token. At the current rate, each token ~$1.50... Is this correct?

(2) The whitepaper says "up to 20% of distributable interest income"... so it could be 0%? How is the actual percentage determined? Is it discretionary?

(3) Is the definition of "distributable interest income" as shown in the example on page 13 and not some accounting term that could essentially wipe this to be 0?

(4) Is there any protection in case of a buyout? For example, if PawnHero gets acquired by another company, does the new company have to follow the terms of HERO token contract? Or can they just say future distributable interest income will always be 0% since "up to" 20% will be distributed.

Any clarification will be appreciated. Thank you.