sorry to ask a newbie question, but I'm a bit confused. In the wallet there is balance, stake, and unconfirmed.  I'm wondering what is the stake part for exactly?  as an extension of that, when does the "20% per year max, if you have wallet running 24/7" pay out?  as in, randomly, weekly, monthly, or every year?  And furthermore from that how can you tell that your connected as a part of the stake at all times.  I know you have to have your wallet encrypted and then open it up and run the command to allow minting or whatever.  I mean, do you have to do that every single time you accidentally close the wallet? or you restart your computer?  Just want to make sure that I'm not letting it go un-minting for any period of time.