Hi Joel,
You say that you do not recommend XRP as an investment, but (and correct me if I'm wrong) isn't a big part of Ripple Labs revenue model appreciation of XRP? I thought I read that somewhere...
Yes.
OK, so why shouldn't we invest in XRP if that's your whole premise? If we like the direction that Ripp!e has been heading in (I've personally been following since December) and we believe in the company/team/strategy, then why would you recommend against investment if the price of XRP is your whole model?