diff --git a/.gitignore b/.gitignore
index 1368941..2a3a956 100644
--- a/.gitignore
+++ b/.gitignore
@@ -1 +1,2 @@
-crons/DailyCron.php
\ No newline at end of file
+crons/DailyCron.php
+inc/config.json
\ No newline at end of file
diff --git a/inc/Accounts.php b/inc/Accounts.php
index 093b86e..59c11b0 100644
--- a/inc/Accounts.php
+++ b/inc/Accounts.php
@@ -151,9 +151,9 @@ function doAddAccount(){
 				
 				if($newUser['id']!=0){
 					//  Set default settings for the account //
-					$sql = "INSERT into `".$config['db']['prefix']."Vars` (`id`,`minlendrate`,`spreadlend`,`USDgapBottom`,`USDgapTop`,`thirtyDayMin`,`highholdlimit`,`highholdamt` )
+					$sql = "INSERT into `".$config['db']['prefix']."Vars` (`id`,`minlendrate`,`spreadlend`,`USDgapBottom`,`USDgapTop`,`thirtyDayMin`,`hundredDayMin`,`highholdlimit`,`highholdamt` )
 						 VALUES
-						 ( '".$newUser['id']."', '0.0650', '3', '25000', '100000', '0.1500', '0.3500', '0' )";
+						 ( '".$newUser['id']."', '0.0650', '3', '25000', '100000', '0.1500', '0.2500', '0.3500', '0' )";
 					$newActSettings = $this->db->iquery($sql);
 					$ret['page']=2;
 					$ret['newaccount']=$newUser['id'];
@@ -276,6 +276,12 @@ function displayDetailsTableRow(){
 									</div>
 									Minimum<br>for 30 Day
 								</th>
+								<th class="mid" style="width: 110px;">
+									<div style="height:25px;padding-top:8px;" aria-label="Help" class="pull-right"  data-toggle="popover" data-placement="right" title="Minimum for 120 Day Loans" data-content="Lowest Daily Interest Rate at which your loans will be offered for 120 days instead of 30.  Set this to insure your loans earn you a higher interest rate for longer periods durring flash lending runs.  If you want all loans to stay on a 2 day cycle, set this to 0.">
+									  <span class="glyphicon glyphicon-question-sign" aria-hidden="true"></span>
+									</div>
+									Minimum<br>for 120 Day
+								</th>
 								<th class="mid" style="width: 100px;">
 									<div style="height:25px;padding-top:8px;" aria-label="Help" class="pull-right"  data-toggle="popover" data-placement="right" title="High Hold Amount" data-content="Amount of money you want to keep offered at the High Hold Rate.  High Hold is used to keep a portion of your Deposit Wallet offered on Loan at a much higher rate than Marginbot would be likely to set in a given day.  This allows you to catch Flash Margin runs and lend at least some money at a higher than normal rate. Set this to 0 if you don\'t want to keep money set aside for Flash Runs.">
 									  <span class="glyphicon glyphicon-question-sign" aria-hidden="true"></span>
@@ -304,6 +310,12 @@ function displayDetailsTableRow(){
 										<span class="input-group-addon">%</span>
 									</div>
 								</td>
+								<td>
+									<div class="input-group">
+										<input type="text" name="hundredDayMin" value="'.number_format($this->bfx->actSettings['hundredDayMin'][$thisCurrency], 5).'" class="form-control autoPercent">
+										<span class="input-group-addon">%</span>
+									</div>
+								</td>
 								<td>
 									<div class="input-group">
 										<span class="input-group-addon">'.$thisCurrency.'</span>
@@ -331,6 +343,7 @@ function displayDetailsTableRow(){
 									Gap Top
 								</th>
 								<th></th>
+								<th></th>
 							</tr>
 							<tr>
 								<td colspan="2">
@@ -346,6 +359,7 @@ function displayDetailsTableRow(){
 									</div>
 								</td>
 								<td></td>
+								<td></td>
 							</tr>
 						</table>
 					  </div>
@@ -526,6 +540,7 @@ function updateSettings(){
 		$USDgapBottom = preg_replace('/[^0-9.]/', '', $_REQUEST['USDgapBottom']);
 		$USDgapTop = preg_replace('/[^0-9.]/', '', $_REQUEST['USDgapTop']);
 		$thirtyDayMin = preg_replace('/[^0-9.]/', '', $_REQUEST['thirtyDayMin']);
+		$hundredDayMin = preg_replace('/[^0-9.]/', '', $_REQUEST['hundredDayMin']);
 		$highholdlimit = preg_replace('/[^0-9.]/', '', $_REQUEST['highholdlimit']);
 		$highholdamt = preg_replace('/[^0-9.]/', '', $_REQUEST['highholdamt']);
 		
@@ -535,6 +550,7 @@ function updateSettings(){
 		$sql = "UPDATE `".$config['db']['prefix']."Vars` SET  minlendrate = '".$this->db->escapeStr($minlendrate)."', spreadlend = '".$this->db->escapeStr($spreadlend)."',
 				USDgapBottom = '".$this->db->escapeStr($USDgapBottom)."', USDgapTop = '".$this->db->escapeStr($USDgapTop)."', 
 				thirtyDayMin = '".$this->db->escapeStr($thirtyDayMin)."', 
+				hundredDayMin = '".$this->db->escapeStr($hundredDayMin)."', 
 				highholdlimit = '".$this->db->escapeStr($highholdlimit)."', 
 				highholdamt = '".$this->db->escapeStr($highholdamt)."'
 				 WHERE userid = '".$this->db->escapeStr($this->userid)."' AND curType = '".$this->db->escapeStr($_REQUEST['curType'])."' LIMIT 1";
@@ -546,6 +562,7 @@ function updateSettings(){
 						`USDgapBottom`,
 						`USDgapTop`,
 						`thirtyDayMin`,
+						`hundredDayMin`,
 						`highholdlimit`,
 						`highholdamt`,
 						`userid`,
@@ -558,6 +575,7 @@ function updateSettings(){
 						'".$this->db->escapeStr($USDgapBottom)."',
 						'".$this->db->escapeStr($USDgapTop)."', 
 						'".$this->db->escapeStr($thirtyDayMin)."', 
+						'".$this->db->escapeStr($hundredDayMin)."', 
 						'".$this->db->escapeStr($highholdlimit)."',
 						'".$this->db->escapeStr($highholdamt)."',
 						'".$this->db->escapeStr($this->userid)."',
diff --git a/inc/ExchangeAPIs/bitfinex.php b/inc/ExchangeAPIs/bitfinex.php
index c49e15c..d0ceb19 100644
--- a/inc/ExchangeAPIs/bitfinex.php
+++ b/inc/ExchangeAPIs/bitfinex.php
@@ -363,8 +363,8 @@ function bitfinex_getMyLendRates($cur='USD', $minForLend = 50){
 				//checking to make sure the highhold isn't more than total available too...
 				$loans[$cur][0]['amt'] = ($this->actSettings['highholdamt'][$cur] > $ca ? $ca : $this->actSettings['highholdamt'][$cur]);
 				$loans[$cur][0]['rate'] = ($this->actSettings['highholdlimit'][$cur]*365);
-				// always loan out highholds for 30 days... bascially we're pretty sure this is a high rate loan
-				$loans[$cur][0]['time'] = 30;				
+				// always loan out highholds for 120 days... bascially we're pretty sure this is a high rate loan
+				$loans[$cur][0]['time'] = 120;				
 			}
 			// is there anything left after the highhold?  if so, lets split it up //
 			if( $splitAvailable >= $minForLend ){
@@ -405,7 +405,15 @@ function bitfinex_getMyLendRates($cur='USD', $minForLend = 50){
 							// unless its above the threshold $this->actSettings['thirtyDayMin'], in which case we should lend it for the max 30 days
 							// (basically, the rate is higher than normal, lets keep this loan out as long as possible)
 							//  if $this->actSettings['thirtyDayMin'] = 0, always loan for 2 days, no matter what
-							$loans[$cur][$a]['time'] = (($this->actSettings['thirtyDayMin'][$cur]>0)&&($lrate >= ($this->actSettings['thirtyDayMin'][$cur] * 365)) ? 30 : 2);
+							if ($this->actSettings['hundredDayMin'][$cur] > 0 && $lrate >= $this->actSettings['hundredDayMin'][$cur] * 365){
+								$loans[$cur][$a]['time'] = 120;
+							}
+							else if ($this->actSettings['thirtyDayMin'][$cur] > 0 && $lrate >= $this->actSettings['thirtyDayMin'][$cur] * 365){
+								$loans[$cur][$a]['time'] = 30;
+							}
+							else {
+								$loans[$cur][$a]['time'] = 2;
+							}
 							$nextlend += $gapClimb;
 							$a++;
 						}
@@ -511,6 +519,7 @@ function bitfinex_getAccountSettings(){
 			$this->actSettings['USDgapBottom'][strtoupper($u['curType'])] 	= $u['USDgapBottom'];
 			$this->actSettings['USDgapTop'][strtoupper($u['curType'])] 		= $u['USDgapTop'];
 			$this->actSettings['thirtyDayMin'][strtoupper($u['curType'])] 	= $u['thirtyDayMin'];
+			$this->actSettings['hundredDayMin'][strtoupper($u['curType'])] 	= $u['hundredDayMin'];
 			$this->actSettings['highholdlimit'][strtoupper($u['curType'])] 	= $u['highholdlimit'];
 			$this->actSettings['highholdamt'][strtoupper($u['curType'])] 	= $u['highholdamt'];
 			$this->actSettings['extractAmt'][strtoupper($u['curType'])] 	= $u['extractAmt'];
diff --git a/inc/config.php b/inc/config.php
index 36248b6..9e044ff 100644
--- a/inc/config.php
+++ b/inc/config.php
@@ -5,22 +5,19 @@
 require_once('version_info.php');
 
 // Local Database Connection Info //
-$config['db']['host'] = '';
-$config['db']['dbname'] = '';
-$config['db']['dbuser'] = '';
-$config['db']['dbpass'] = '';
+$fileContent = file_exists('inc/config.json') ? file_get_contents('inc/config.json') : file_get_contents('../inc/config.json');
+$privateInfo = json_decode($fileContent , true);
+$config['db']['host'] = $privateInfo['database']['host'];
+$config['db']['dbname'] = $privateInfo['database']['dbname'];
+$config['db']['dbuser'] = $privateInfo['database']['dbuser'];
+$config['db']['dbpass'] = $privateInfo['database']['dbpass'];
 
 // this is included in front of each database table name
-$config['db']['prefix'] = '';
+$config['db']['prefix'] = $privateInfo['database']['prefix'];
 
 //Local Admin Email //
-$config['admin_email'] = 'marginbot@therovegroup.com';
+$config['admin_email'] = $privateInfo['email'];
 
 // Current Fees Charged by BFX for Margin Swaps (15% as of Nov. 2014)
-$config['curFeesBFX'] = 15;
-
-
-
-
-
+$config['curFeesBFX'] = $privateInfo['fee'];
 ?>
\ No newline at end of file
diff --git a/install.php b/install.php
index bc218f5..4736326 100644
--- a/install.php
+++ b/install.php
@@ -5,6 +5,7 @@
 $warning = array();
 
 $configFile = getcwd().'/inc/config.php';
+$configJsonPath = getcwd().'/inc/config.json';
 // This is a submit, lets do some stuff //
 if($_REQUEST['doInstall']==1){
 	//Install Step 1
@@ -62,6 +63,7 @@
 				  `USDgapBottom` varchar(12) DEFAULT NULL,
 				  `USDgapTop` varchar(12) DEFAULT NULL,
 				  `thirtyDayMin` varchar(12) DEFAULT NULL,
+				  `hundredDayMin` varchar(12) DEFAULT NULL,
 				  `highholdlimit` varchar(12) DEFAULT NULL,
 				  `highholdamt` varchar(12) DEFAULT NULL,
 				  `extractAmt` varchar(12) DEFAULT NULL,
@@ -114,37 +116,27 @@
 			
 			if(count($warning)==0){
 				// tables seemed to create ok, lets write the config file //
-				
-$configData = '<?php
-date_default_timezone_set(\'America/Los_Angeles\');
-setlocale(LC_MONETARY, \'en_US\');
-session_start();
-require_once(\'version_info.php\');
-
-// Local Database Connection Info //
-$config[\'db\'][\'host\'] = \''.$_REQUEST['installDBHost'].'\';
-$config[\'db\'][\'dbname\'] = \''.$_REQUEST['installDBName'].'\';
-$config[\'db\'][\'dbuser\'] = \''.$_REQUEST['installDBUser'].'\';
-$config[\'db\'][\'dbpass\'] = \''.$_REQUEST['installDBPassword'].'\';
-
-// this is included in front of each database table name
-$config[\'db\'][\'prefix\'] = \''.$_REQUEST['installDBPrefix'].'\';
 
-//Local Admin Email //
-$config[\'admin_email\'] = \''.$_REQUEST['installEmail'].'\';
-
-// Current Fees Charged by BFX for Margin Swaps (15% as of Nov. 2014)
-$config[\'curFeesBFX\'] = '.$_REQUEST['installBFXFees'].';
-?>';
-			
+				$configJsonData = array(
+					"database" => array(
+						"host"   => $_REQUEST['installDBHost'],
+						"dbname" => $_REQUEST['installDBName'],
+						"dbuser" => $_REQUEST['installDBUser'],
+						"dbpass" => $_REQUEST['installDBPassword'],
+						"prefix" => $_REQUEST['installDBPrefix']
+					),
+					"email" => $_REQUEST['installEmail'],
+					"fee"   => $_REQUEST['installBFXFees']
+				);
 				
 				if (!$handle = fopen($configFile, 'w')) {
 					 $warning[] = "Could Not open file ($configFile)";
 					 //exit;
 				}
 				// Write to the config file //
-				if (fwrite($handle, $configData) === FALSE) {
-					$warning[] = "Cannot write to file ($configFile)";
+
+				if (file_put_contents($configJsonPath, json_encode($configJsonData)) === FALSE) {
+					$warning[] = "Cannot write to file ($configJsonPath)";
 					//exit;
 				}
 				else{
@@ -223,13 +215,13 @@
 			
 			if($newUser['id']!=0){
 				//  Set default settings for the account //
-				$sql = "INSERT into `".$config['db']['prefix']."Vars` (`userid`,`curType`,`minlendrate`,`spreadlend`,`USDgapBottom`,`USDgapTop`,`thirtyDayMin`,`highholdlimit`,`highholdamt` )
+				$sql = "INSERT into `".$config['db']['prefix']."Vars` (`userid`,`curType`,`minlendrate`,`spreadlend`,`USDgapBottom`,`USDgapTop`,`thirtyDayMin`,`hundredDayMin`,`highholdlimit`,`highholdamt` )
 					 VALUES
-					 ( '".$newUser['id']."', 'USD', '0.0650', '3', '25000', '100000', '0.1500', '0.3500', '0' )";
+					 ( '".$newUser['id']."', 'USD', '0.0650', '3', '25000', '100000', '0.1500', '0.2500', '0.3500', '0' )";
 				$newActSettings = $db->iquery($sql);
-				$sql = "INSERT into `".$config['db']['prefix']."Vars` (`userid`,`curType`,`minlendrate`,`spreadlend`,`USDgapBottom`,`USDgapTop`,`thirtyDayMin`,`highholdlimit`,`highholdamt` )
+				$sql = "INSERT into `".$config['db']['prefix']."Vars` (`userid`,`curType`,`minlendrate`,`spreadlend`,`USDgapBottom`,`USDgapTop`,`thirtyDayMin`,`hundredDayMin`,`highholdlimit`,`highholdamt` )
 					 VALUES
-					 ( '".$newUser['id']."', 'BTC', '0.0150', '2', '2', '10', '0.1500', '0.3500', '0' )";
+					 ( '".$newUser['id']."', 'BTC', '0.0150', '2', '2', '10', '0.1500', '0.2500', '0.3500', '0' )";
 				$newActSettings = $db->iquery($sql);
 				
 				// Success, tell them they need to login now //