I think you did a great job summarising the potential revenue returns but I have to disagree with the point that dividends paid makes a good investment after the ICO. Since the total supply will increase four times (pre-ico was 10%, ICO is 30%) and it's obvious for at least one or two years the Bankera's net transaction revenue will not show the same growth so the 20% that was being paid out will be nothing close to the 3% we see now. 4 times more BNK to share that 20% basically. But let's be extremely optimistic and say we take about 3% ROR after the ICO too, but if the market cap as I calculated does not perform, the ROR will very quick turn negative making late investors having very little financial incentive to invest. So from investor's pov if the market cap does not hold, the dividends are negligible and will face a loss. So I guess for the late investors this is not a good investment. I'm making this point because if people invest late, they will be facing a great risk and loss from the beginning and by them not investing it is very beneficial for the early investors like us.. win-win I guess. I would like to hear what you guys have to say about this..