diff --git a/datomic/start.sh b/datomic/start.sh
old mode 100644
new mode 100755
diff --git a/project.clj b/project.clj
index cd52a05..01107c9 100644
--- a/project.clj
+++ b/project.clj
@@ -4,7 +4,6 @@
   :license {:name "Eclipse Public License"
             :url "http://www.eclipse.org/legal/epl-v10.html"}
 
-
   :resource-paths ["resources"
                    "target/cljsbuild"]
 
@@ -32,6 +31,7 @@
                  [orchestra "2017.11.12-1"]
                  [cheshire "5.8.0"]
                  [com.stuartsierra/frequencies "0.1.0"]
+                 [rm-hull/infix "0.3.3"]
 
                  ;; wui
                  [ring-server "0.5.0"]
@@ -126,8 +126,7 @@
   :sass {:source-paths ["src/sass"]
          :target-path "resources/public/css"}
 
-  :profiles {:dev {:repl-options {:init-ns skirmish.wui.repl
-                                  :nrepl-middleware [cemerick.piggieback/wrap-cljs-repl]}
+  :profiles {:dev {
                    :java-source-paths ["src/java"]
 
                    :dependencies [[midje "1.9.9"]
diff --git a/resources/config.edn b/resources/config.edn
index b00e21e..3251266 100644
--- a/resources/config.edn
+++ b/resources/config.edn
@@ -1,12 +1,12 @@
 {
  ;; Specify which middleware to use, it will default to :chan.
- :middleware :kafka
+ :middleware :chan
 
  ;; If set to true, orchestra will instrument all the spec'ed functions
  :instrument-spec true
 
  :datomic
- {:transactor-url "datomic:free://localhost:4334/skirmish.ledger"}
+ {:transactor-url "datomic:free://localhost:4334/skirmish.ledger?password=datomicpassword"}
 
  ;; all the kafka configuration goes bellow.
  :kafka
@@ -39,7 +39,7 @@
   :max-body 524288 ;; 512kb, small but enough
   :max-ws 524288
   :default-sec-id :dapm
-  :datomic {:transactor-url "datomic:free://localhost:4334/skirmish.broker"}}
+  :datomic {:transactor-url "datomic:free://localhost:4334/skirmish.broker?password=datomicpassword"}}
 
  :wui
  {:port #long #or [#env WUI_PORT 3000]}}
diff --git a/src/clj/skirmish/broker/broker.clj b/src/clj/skirmish/broker/broker.clj
index c637e6e..3a34161 100644
--- a/src/clj/skirmish/broker/broker.clj
+++ b/src/clj/skirmish/broker/broker.clj
@@ -8,19 +8,16 @@
             [skirmish.routes.core :as routes]
             [clj-http.client :as http-client]))
 
-
 (defn generate-amount-for-new-user [seed]
   (let [random  (new java.util.Random seed)
         random-fn #(. random nextInt 20000)]
     (* 100 (reduce + (take 100 (repeatedly random-fn))))))
 
-
 (defn create-account [account-id sec-id]
   #:skirmish.broker.account{:id account-id
                             :sec-id sec-id
                             :private-key (str account-id)})
 
-
 (defn create-user-account [seed default-sec-id]
   (let [url (routes/get-path-for :ledger/security {:sec-id (name default-sec-id)})
         account-id (java.util.UUID/randomUUID)
diff --git a/src/clj/skirmish/broker/db.clj b/src/clj/skirmish/broker/db.clj
index 04cbf40..06b27eb 100644
--- a/src/clj/skirmish/broker/db.clj
+++ b/src/clj/skirmish/broker/db.clj
@@ -54,7 +54,7 @@
                 (concat accounts-schema)))
 
 (defn create-connection [uri]
-  (let [new-db? (d/create-database uri)
+  (let [_ (d/create-database uri)
         conn (d/connect uri)]
     @(d/transact conn schema)
     conn))
diff --git a/src/clj/skirmish/core.clj b/src/clj/skirmish/core.clj
index 58801d7..2c32032 100644
--- a/src/clj/skirmish/core.clj
+++ b/src/clj/skirmish/core.clj
@@ -36,7 +36,8 @@
         exchange-apis (create-exchange-apis-for config securities-api)]
     (if (= (count target-fns) 1)
       ((first target-fns) config securities-api exchange-apis)
-      (run-all-targets-in-separate-threads target-fns config securities-api exchange-apis))))
+      (run-all-targets-in-separate-threads target-fns config securities-api exchange-apis))
+    (skirmish.util/block-thread)))
 
 (defn -main [& argv]
   (let [config (-> "config.edn" clojure.java.io/resource read-config)
@@ -47,7 +48,7 @@
     (if (seq target-fns)
       (run-all-targets target-fns config)
       (do
-        (timbre/info argv)
-        (timbre/info "target" target-fns "not found")
-        (timbre/info "all known targets are...")
-        (timbre/info (keys targets))))))
\ No newline at end of file
+        (timbre/warn argv)
+        (timbre/warn "target" target-fns "not found")
+        (timbre/warn "all known targets are...")
+        (timbre/warn (keys targets))))))
\ No newline at end of file
diff --git a/src/clj/skirmish/ledger/accounts.clj b/src/clj/skirmish/ledger/accounts.clj
index 5e11933..cbea7cd 100644
--- a/src/clj/skirmish/ledger/accounts.clj
+++ b/src/clj/skirmish/ledger/accounts.clj
@@ -82,7 +82,12 @@
     :db/ident :skirmish.security/interest-rate
     :db/valueType :db.type/long
     :db/cardinality :db.cardinality/one
-    :db/doc "The interest-rate payed by the security as a multiple of 0.01% (100 is 1% interest rate)."}])
+    :db/doc "The daily interest-rate payed by the security as a multiple of 0.01% (100 is 1% interest rate)."}
+   {
+    :db/ident :skirmish.security/inflation
+    :db/valueType :db.type/long
+    :db/cardinality :db.cardinality/one
+    :db/doc "The daily inflation as a multiple of 0.01% (100 is 1%)."}])
 
 (def ledger-schema
   [
@@ -120,7 +125,8 @@
                                  :emitter "dapm private key"
                                  :number-of-decimal 2
                                  :symbol "რ"
-                                 :interest-rate 10}
+                                 :interest-rate (* 100 10)
+                                 :inflation (* 100 9)}
         apbm #:skirmish.security{:sec-id :apbm
                                  :name "apache beam"
                                  :type :equity
diff --git a/src/clj/skirmish/ledger/core.clj b/src/clj/skirmish/ledger/core.clj
index 141e21c..9b0de05 100644
--- a/src/clj/skirmish/ledger/core.clj
+++ b/src/clj/skirmish/ledger/core.clj
@@ -12,12 +12,86 @@
             [taoensso.timbre :as timbre]
             [compojure.core :as compojure]
             [clojure.spec.alpha :as s]
+            [infix.macros :refer [infix]]
             [ring.middleware.cors :refer [wrap-cors]]))
 
 ;; the ledger is the central
 
+
+
+(defn compute-simple-face-value [amount daily-interest-rate deposit-date value-date]
+  (let [min-in-milliseconds (infix 60 * 1000)
+        minute-interest-rate (infix daily-interest-rate / (24 * 60. * 10000.))
+        ite (quot (- (. value-date getTime) (. deposit-date getTime)) min-in-milliseconds)
+        base (infix 1 + minute-interest-rate)]
+    (infix amount * base ** ite)))
+
+(defn- in-interval? [[_ start end] x]
+  (let [x-time (. x getTime)]
+    (and (<= (. start getTime) x-time)
+         (< x-time (. end getTime)))))
+
+(defn- larger-then-interval? [[ _ start end] x]
+  (and (<= (. x getTime) (. end getTime))
+       (<= (. x getTime) (. start getTime))))
+
+
+(defn- split-interest-rate-intervals [interest-rates-intervals deposit-date value-date]
+  (let [xf (comp (drop-while #((comp not in-interval?) % deposit-date))
+                 (take-while #((comp not larger-then-interval?) % value-date)))
+        ret (into [] xf interest-rates-intervals)
+        ret (assoc-in ret [0 1] deposit-date)
+        ret (assoc-in ret [(-> ret count dec) 2] value-date)]
+    ret))
+
+(defn- find-interest-rate-for [interest-rates-intervals d]
+  (if (in-interval? (first interest-rates-intervals) d)
+    (ffirst interest-rates-intervals)
+    (recur (rest interest-rates-intervals) d)))
+
+
+(defn split-interest-rates [interest-rates deposit-date value-date]
+  (let [interest-rates (into  [[0 (new java.util.Date 0)]] interest-rates)
+        interest-rates (conj interest-rates [0 (new java.util.Date Long/MAX_VALUE)])
+        interest-rates-intervals (partition 2 1 interest-rates)
+        interest-rates-intervals (map (juxt ffirst (comp second first) (comp second second)) interest-rates-intervals)]
+    (if (= deposit-date value-date)
+      [[(find-interest-rate-for interest-rates-intervals deposit-date) deposit-date value-date]]
+      (split-interest-rate-intervals interest-rates-intervals deposit-date value-date))))
+
+(defn compute-face-value [amount interest-rates deposit-date value-date]
+  (loop [interest-rates (split-interest-rates interest-rates deposit-date value-date)
+         amount amount]
+    (let [[interest-rate start end] (first interest-rates)
+          amount (compute-simple-face-value amount interest-rate start end)]
+      (if (empty? (rest interest-rates))
+        (long amount)
+        (recur (rest interest-rates) amount)))))
+
+
+(defn get-amount-in-account [db account-id]
+  (let [[amount sec-id date] (d/q '[:find [?amount ?sec ?v]
+                                    :in $ ?account-id
+                                    :where [?e :skirmish.ledger/owner-public-key ?account-id]
+                                    [?e :skirmish.ledger/amount ?amount ?tx]
+                                    [?e :skirmish.ledger/sec ?sec]
+                                    [?tx :db/txInstant ?v]] db account-id)
+        history (d/history db)
+        interest-rates (d/q '[:find ?interest-rate ?v
+                              :in $ ?eid
+                              :where [?eid :skirmish.security/interest-rate ?interest-rate ?tx]
+                              [?tx :db/txInstant ?v]]
+                            history sec-id)
+        face-value (compute-face-value amount
+                                       date
+                                       (sort-by second interest-rates)
+                                       (new java.util.Date))]
+    {:value  face-value
+     :sec-id sec-id
+     :account-public-key (:skirmish.ledger/owner-public-key 333)}))
+
 ;;  an :account-id is the public key of a
-;;  an :account-secret is an :acount-id private key
+;;  an :account-secret is an :account-id private key
 
 (defn get-account-body [request account sec]
   (if (nil? sec)
@@ -29,7 +103,6 @@
           ret {:account beautify-account  :sec-url sec-url}]
       (build-response request ret))))
 
-
 (defn get-account [conn]
   "Returns the value of an account."
   (fn [{{account-id :account-id} :route-params :as request}]
@@ -74,12 +147,12 @@
          name :skirmish.security/name
          number-of-decimal :skirmish.security/number-of-decimal
          type_ :skirmish.security/type} e
-        volume (d/q '[:find (sum ?amount) .
-                      :in $ ?id
-                      :where [?e :skirmish.ledger/sec ?id]
-                      [?e :skirmish.ledger/amount ?amount]]
+         volume (d/q '[:find (sum ?amount) .
+                       :in $ ?id
+                       :where [?e :skirmish.ledger/sec ?id]
+                       [?e :skirmish.ledger/amount ?amount]]
 
-                    db id)]
+                     db id)]
     {:sec-id sec-id
      :interest-rate interest-rate
      :volume (or volume 0)
@@ -157,7 +230,7 @@
   create securities.
 
   payload
-    [:amount :acount]"
+    [:amount :account]"
   (fn [{{sec-id-str :sec-id} :route-params body :body :as request}]
     (try+
       (let [emit-request (-> body get-body (get-emit-securities-request (keyword sec-id-str)))]
@@ -171,7 +244,7 @@
   (let [sec-id->url #(routes/get-path-for :ledger/account {:account-id (name %)})
         to-security-description #(hash-map :account-public-key % :url (sec-id->url %))
         xf (comp cat (map to-security-description))
-        securities-info  (sequence xf accounts)];;
+        securities-info  (sequence xf accounts)]
     {:accounts securities-info}))
 
 
diff --git a/src/clj/skirmish/util.clj b/src/clj/skirmish/util.clj
index 63ebfe4..1cc7eaf 100644
--- a/src/clj/skirmish/util.clj
+++ b/src/clj/skirmish/util.clj
@@ -1,6 +1,6 @@
 (ns skirmish.util
   (:require [clojure.core.async :as async])
-  (:import (skirmish PersistentSortedList)))
+  (:import [ skirmish PersistentSortedList]))
 
 (defn sorted-list [& keys]
   (PersistentSortedList/create (seq keys)))
diff --git a/src/cljs/skirmish/wui/components/home_page.cljs b/src/cljs/skirmish/wui/components/home_page.cljs
index 8fdc27e..7d1294c 100644
--- a/src/cljs/skirmish/wui/components/home_page.cljs
+++ b/src/cljs/skirmish/wui/components/home_page.cljs
@@ -38,6 +38,8 @@
 (defn page [state]
   [:div
    [:section.section
-    [:div.container
-     [:img {:src "/images/amsterdam.svg"}]
+    [:div.columns
+     [:div.container
+      [:img {:src "/images/amsterdam.svg"}]]]
+    [:div.columns.is-centered
      [login state]]]])
\ No newline at end of file
diff --git a/test/clj/skirmish/ledger/core_test.clj b/test/clj/skirmish/ledger/core_test.clj
new file mode 100644
index 0000000..eb27f93
--- /dev/null
+++ b/test/clj/skirmish/ledger/core_test.clj
@@ -0,0 +1,6 @@
+(ns skirmish.ledger.core-test
+  (:require [clojure.test :refer :all])
+  (:require [skirmish.ledger.core :refer [get-amount-in-account]]))
+
+(deftest get-amount-in-account-test)
+
diff --git a/test/clj/skirmish/ledger/test_core.clj b/test/clj/skirmish/ledger/test_core.clj
index 38c2161..5ed67c0 100644
--- a/test/clj/skirmish/ledger/test_core.clj
+++ b/test/clj/skirmish/ledger/test_core.clj
@@ -6,6 +6,7 @@
             [skirmish.ledger.core :refer :all]
             [skirmish.rest.util :refer [edn->stream]]
             [clojure.spec.alpha :as s]
+            [infix.macros :refer [infix]]
             [skirmish.ledger.accounts :refer [create-connection schema]]))
 
 (defn spec-check [spec]
@@ -99,14 +100,14 @@
                    request {:route-params {:sec-id :new-currency} :headers {"accept" "application/edn"}}
                    resp ((get-security conn) request)]
                resp => (spec-check ::ok)
-               (body resp) => {:sec-id :new-currency
-                               :interest-rate 100
-                               :name nil
-                               :description nil
+               (body resp) => {:sec-id            :new-currency
+                               :interest-rate     100
+                               :name              nil
+                               :description       nil
                                :number-of-decimal nil
-                               :symbol nil
-                               :type nil
-                               :volume 0}))
+                               :symbol            nil
+                               :type              nil
+                               :volume            0}))
 
        (fact "we should not be able to get-security if it does not exists"
              (let [conn (create-conn)
@@ -140,8 +141,8 @@
 (facts "about the emitting securities"
        (fact "should not work if invalid request"
              (let [conn (create-some-securities (create-conn))
-                   req-1 {:body (edn->stream [10 :not-a-string]) :route-params {:sec-id "sec-1"}  :headers {"accept" "application/edn"}}
-                   req-2 {:body (edn->stream [-10 "foo"]) :route-params {:sec-id "sec-1"}  :headers {"accept" "application/edn"}}
+                   req-1 {:body (edn->stream [10 :not-a-string]) :route-params {:sec-id "sec-1"} :headers {"accept" "application/edn"}}
+                   req-2 {:body (edn->stream [-10 "foo"]) :route-params {:sec-id "sec-1"} :headers {"accept" "application/edn"}}
                    req-3 {:body (edn->stream [90 "account-id"]) :route-params {:sec-id "invalid-sec-id"} :headers {"accept" "application/edn"}}]
                ((emit-securities conn) req-1) => (spec-check ::status-400)
                ((emit-securities conn) req-2) => (spec-check ::status-400)
@@ -175,7 +176,7 @@
                          {:account-public-key "2-sec-1" :url "http://localhost:1604/api/1/ledger/accounts/2-sec-1"}
                          {:account-public-key "2-sec-2" :url "http://localhost:1604/api/1/ledger/accounts/2-sec-2"}]]
                ((get-available-accounts conn) req) => (spec-check ::ok)
-               (-> ((get-available-accounts conn) req) body :accounts  sec->hash-set) => (sec->hash-set expt)))
+               (-> ((get-available-accounts conn) req) body :accounts sec->hash-set) => (sec->hash-set expt)))
 
        (fact "we should be able to get account"
              (let [conn (create-some-securities-and-accounts (create-conn))
@@ -198,9 +199,59 @@
                ((get-account conn) req) => (spec-check ::status-404))))
 
 
+(facts "about interest computation"
+       (fact "about very basic interest rates"
+             (let [amount 1000
+                   interest-rate (* 10 100)                 ;; daily 10% interest rates
+                   negative-interest-rate (- interest-rate)
+                   start #inst"2020-09-05T00:00:00.000-00:00"
+                   start+1d #inst"2020-09-06T00:00:00.000-00:00"
+                   start+2d #inst"2020-09-07T00:00:00.000-00:00"]
+               (compute-simple-face-value amount interest-rate start start) => (roughly amount)
+               (compute-simple-face-value amount interest-rate start start+1d) => (roughly 1105.1670808)
+               (compute-simple-face-value amount interest-rate start start+2d) => (roughly 1221.3942766)
+               (compute-simple-face-value amount negative-interest-rate start start+2d) => (roughly 818.7250672)
+               (compute-simple-face-value amount 0 start start+2d) => (roughly amount)))
+       (fact "split-interest-rates"
+             (let [d-1d #inst"2020-09-04T00:00:00.000-00:00"
+                   d-½d #inst"2020-09-04T12:00:00.000-00:00"
+                   d #inst"2020-09-05T00:00:00.000-00:00"
+                   d+½d #inst"2020-09-05T12:00:00.000-00:00"
+                   d+1d #inst"2020-09-06T00:00:00.000-00:00"
+                   d+1½d #inst"2020-09-06T12:00:00.000-00:00"
+                   d+2d #inst"2020-09-07T00:00:00.000-00:00"
+                   d+2½d #inst"2020-09-07T12:00:00.000-00:00"
+                   d+3d #inst"2020-09-08T00:00:00.000-00:00"
+                   d+3½d #inst"2020-09-08T12:00:00.000-00:00";;
+                   interest-rates [[10 d] [15 d+1d] [20 d+2d]]]
+               (split-interest-rates interest-rates d+½d d+3d) => [[10 d+½d d+1d] [15 d+1d d+2d] [20 d+2d d+3d]]
+               (split-interest-rates interest-rates d+3d d+3½d) => [[20 d+3d d+3½d]]
+               (split-interest-rates interest-rates d-1d d-½d) => [[0 d-1d d-½d]]
+               (split-interest-rates interest-rates d d+½d) => [[10 d d+½d]]
+               (split-interest-rates interest-rates d+2½d d+2½d) => [[20 d+2½d d+2½d]]))
+       (fact "compute-face-value"
+         (let [d-1d #inst"2020-09-04T00:00:00.000-00:00"
+               d-½d #inst"2020-09-04T12:00:00.000-00:00"
+               d #inst"2020-09-05T00:00:00.000-00:00"
+               d+½d #inst"2020-09-05T12:00:00.000-00:00"
+               d+1d #inst"2020-09-06T00:00:00.000-00:00"
+               d+1½d #inst"2020-09-06T12:00:00.000-00:00"
+               d+2d #inst"2020-09-07T00:00:00.000-00:00"
+               d+2½d #inst"2020-09-07T12:00:00.000-00:00"
+               d+3d #inst"2020-09-08T00:00:00.000-00:00"
+               d+3½d #inst"2020-09-08T12:00:00.000-00:00"
+               amount 10000000
+               interest-rates [[10 d] [15 d+1d] [20 d+2d]]]
+           (compute-face-value amount interest-rates d+½d d+½d) => amount
+           (compute-face-value amount interest-rates d-1d d-½d) => amount
+           (compute-face-value amount interest-rates d-1d d+3d) => 10045101)))
+
+               ;(split-interest-rates interest-rates d+3d d+½d) => [[10 d d+½d]])))
+
+
+;;  TOD
+
 
-;;  TODO
 
 ;;    4. transfer sec from one account to the other.
-;;    5. account for interest