2 questions: 1) Does the 8 months no-fee period start at the end of the ICO or only once the investment product is available (crypto/poloniex product seems to be planned a few months from now)? 2) Is the 5000 MIRO an entry requirement for the crypto product and can these funds be used/consumed or does my balance need to stay above 5000 in order to keep acces to the AI trader product