The interest rate is charged if you don’t make your payments. Otherwise, you get rewards each time you spend which makes things a little cheaper.

I’ve often thought about making an interactive timeline of the universe that would allow you to see what events happened at a specific time superimposed on a 3D model of the universe, galaxy, solar system, planet, etc. That way you could get a decent idea about scale Ann’s concurrency.

I haven’t built it yet cause that’s hard.