diff --git a/package.json b/package.json
index b6b0750c1..cef7d3808 100644
--- a/package.json
+++ b/package.json
@@ -10,7 +10,7 @@
     "clean": "rm -rf dist",
     "example1-user": "ts-node ts/client/src/scripts/example1-user.ts",
     "example1-admin": "ts-node ts/client/src/scripts/example1-admin.ts",
-    "scratch": "ts-node ts/client/src/scripts/scratch.ts",
+    "scratch": "ts-node ts/client/src/scripts/scratch/scratch.ts",
     "format": "prettier --check .",
     "lint": "eslint . --ext ts --ext tsx --ext js --quiet",
     "type-check": "tsc --pretty --noEmit",
diff --git a/ts/client/src/accounts/mangoAccount.ts b/ts/client/src/accounts/mangoAccount.ts
index 5e5c3ee48..f8a1c8eda 100644
--- a/ts/client/src/accounts/mangoAccount.ts
+++ b/ts/client/src/accounts/mangoAccount.ts
@@ -3,6 +3,7 @@ import { utf8 } from '@project-serum/anchor/dist/cjs/utils/bytes';
 import { PublicKey } from '@solana/web3.js';
 import { MangoClient } from '../client';
 import { Bank } from './bank';
+import { Group } from './group';
 import { I80F48, I80F48Dto, ZERO_I80F48 } from './I80F48';
 export class MangoAccount {
   public tokens: TokenAccount[];
@@ -77,23 +78,27 @@ export class MangoAccount {
     return this.serum3.find((sa) => sa.marketIndex == marketIndex);
   }
 
-  getNativeDeposit(bank: Bank): I80F48 {
+  getNative(bank: Bank): I80F48 {
     const ta = this.findToken(bank.tokenIndex);
-    return ta ? bank.depositIndex.mul(ta?.indexedValue) : ZERO_I80F48;
+    return ta ? ta.native(bank) : ZERO_I80F48;
   }
 
-  getNativeBorrow(bank: Bank): I80F48 {
+  getUi(bank: Bank): number {
     const ta = this.findToken(bank.tokenIndex);
-    return ta ? bank.borrowIndex.mul(ta?.indexedValue) : ZERO_I80F48;
+    return ta ? ta.ui(bank) : 0;
   }
 
-  toString(): string {
+  tokens_active(): TokenAccount[] {
+    return this.tokens.filter((token) => token.isActive());
+  }
+
+  toString(group?: Group): string {
     return (
       'tokens:' +
       JSON.stringify(
-        this.tokens.filter(
-          (token) => token.tokenIndex != TokenAccount.TokenIndexUnset,
-        ),
+        this.tokens
+          .filter((token) => token.tokenIndex != TokenAccount.TokenIndexUnset)
+          .map((token) => token.toString(group)),
         null,
         4,
       ) +
@@ -134,9 +139,44 @@ export class TokenAccount {
     public inUseCount: number,
   ) {}
 
-  isActive(): boolean {
+  public isActive(): boolean {
     return this.tokenIndex !== 65535;
   }
+
+  public native(bank: Bank): I80F48 {
+    if (this.indexedValue.isPos()) {
+      return bank.depositIndex.mul(this.indexedValue);
+    } else {
+      return bank.borrowIndex.mul(this.indexedValue);
+    }
+  }
+
+  public ui(bank: Bank): number {
+    return this.native(bank).toNumber() / Math.pow(10, bank.mintDecimals);
+  }
+
+  public toString(group?: Group): String {
+    let extra: string = '';
+    if (group) {
+      let bank = group.findBank(this.tokenIndex);
+      if (bank) {
+        let native = this.native(bank);
+        extra += ', native: ' + native.toNumber();
+        extra += ', ui: ' + this.ui(bank);
+        extra += ', tokenName: ' + bank.name;
+      }
+    }
+
+    return (
+      'tokenIndex: ' +
+      this.tokenIndex +
+      ', inUseCount: ' +
+      this.inUseCount +
+      ', indexedValue: ' +
+      this.indexedValue.toNumber() +
+      extra
+    );
+  }
 }
 
 export class TokenAccountDto {
diff --git a/ts/client/src/client.ts b/ts/client/src/client.ts
index b44b34402..58692dcc5 100644
--- a/ts/client/src/client.ts
+++ b/ts/client/src/client.ts
@@ -385,7 +385,7 @@ export class MangoClient {
       await this.buildHealthRemainingAccounts(group, mangoAccount, [bank]);
 
     return await this.program.methods
-      .withdraw(new BN(amount), allowBorrow)
+      .withdraw(toNativeDecimals(amount, bank.mintDecimals), allowBorrow)
       .accounts({
         group: group.publicKey,
         account: mangoAccount.publicKey,
diff --git a/ts/client/src/scripts/example1-user.ts b/ts/client/src/scripts/example1-user.ts
index 392f7a9be..8a2ff8f28 100644
--- a/ts/client/src/scripts/example1-user.ts
+++ b/ts/client/src/scripts/example1-user.ts
@@ -54,16 +54,16 @@ async function main() {
 
   if (true) {
     // deposit and withdraw
-    console.log(`Depositing...5000000 USDC`);
-    await client.deposit(group, mangoAccount, 'USDC', 50_000000);
+    console.log(`Depositing...5 USDC`);
+    await client.deposit(group, mangoAccount, 'USDC', 5);
     await mangoAccount.reload(client);
 
-    console.log(`Depositing...5000000 BTC`);
-    await client.deposit(group, mangoAccount, 'BTC', 5000000);
+    console.log(`Depositing...0.0005 BTC`);
+    await client.deposit(group, mangoAccount, 'BTC', 0.0005);
     await mangoAccount.reload(client);
 
-    console.log(`Withdrawing...1000000 USDC`);
-    await client.withdraw(group, mangoAccount, 'USDC', 1_000000, false);
+    console.log(`Withdrawing...1 USDC`);
+    await client.withdraw(group, mangoAccount, 'USDC', 1, false);
     await mangoAccount.reload(client);
 
     // serum3
diff --git a/ts/client/src/scripts/example1-ob.ts b/ts/client/src/scripts/scratch/example1-ob.ts
similarity index 95%
rename from ts/client/src/scripts/example1-ob.ts
rename to ts/client/src/scripts/scratch/example1-ob.ts
index ebfaa424a..60463efc9 100644
--- a/ts/client/src/scripts/example1-ob.ts
+++ b/ts/client/src/scripts/scratch/example1-ob.ts
@@ -1,8 +1,8 @@
 import { AnchorProvider, Wallet } from '@project-serum/anchor';
 import { Connection, Keypair } from '@solana/web3.js';
 import fs from 'fs';
-import { MangoClient } from '../client';
-import { DEVNET_SERUM3_PROGRAM_ID } from '../constants';
+import { MangoClient } from '../../client';
+import { DEVNET_SERUM3_PROGRAM_ID } from '../../constants';
 
 //
 // An example for users based on high level api i.e. the client
diff --git a/ts/client/src/scripts/example1-user-account.ts b/ts/client/src/scripts/scratch/example1-user-account.ts
similarity index 94%
rename from ts/client/src/scripts/example1-user-account.ts
rename to ts/client/src/scripts/scratch/example1-user-account.ts
index 59c684890..c7a8caed4 100644
--- a/ts/client/src/scripts/example1-user-account.ts
+++ b/ts/client/src/scripts/scratch/example1-user-account.ts
@@ -1,8 +1,8 @@
 import { AnchorProvider, Wallet } from '@project-serum/anchor';
 import { Connection, Keypair } from '@solana/web3.js';
 import fs from 'fs';
-import { TokenAccount } from '../accounts/mangoAccount';
-import { MangoClient } from '../client';
+import { TokenAccount } from '../../accounts/mangoAccount';
+import { MangoClient } from '../../client';
 
 //
 // An example for users based on high level api i.e. the client
diff --git a/ts/client/src/scripts/scratch/example1-withdraw-max.ts b/ts/client/src/scripts/scratch/example1-withdraw-max.ts
new file mode 100644
index 000000000..034c88653
--- /dev/null
+++ b/ts/client/src/scripts/scratch/example1-withdraw-max.ts
@@ -0,0 +1,97 @@
+import { AnchorProvider, Wallet } from '@project-serum/anchor';
+import { Connection, Keypair } from '@solana/web3.js';
+import fs from 'fs';
+import { MangoClient } from '../../client';
+
+async function main() {
+  const options = AnchorProvider.defaultOptions();
+  const connection = new Connection(
+    'https://mango.devnet.rpcpool.com',
+    options,
+  );
+
+  /// user1
+  const user1 = Keypair.fromSecretKey(
+    Buffer.from(
+      JSON.parse(fs.readFileSync(process.env.PAYER_KEYPAIR!, 'utf-8')),
+    ),
+  );
+  const user1Wallet = new Wallet(user1);
+  const user1Provider = new AnchorProvider(connection, user1Wallet, options);
+  const user1Client = await MangoClient.connect(user1Provider, true);
+  console.log(`user1 ${user1Wallet.publicKey.toBase58()}`);
+
+  /// fetch group
+  const admin = Keypair.fromSecretKey(
+    Buffer.from(
+      JSON.parse(fs.readFileSync(process.env.ADMIN_KEYPAIR!, 'utf-8')),
+    ),
+  );
+  const group = await user1Client.getGroupForAdmin(admin.publicKey, 0);
+  console.log(`Found group ${group.publicKey.toBase58()}`);
+
+  /// fetch user1 account
+  const user1MangoAccount = await user1Client.getOrCreateMangoAccount(
+    group,
+    user1.publicKey,
+    0,
+    'my_mango_account',
+  );
+
+  console.log(`...created/found mangoAccount ${user1MangoAccount.publicKey}`);
+
+  /// user1 deposits some btc, so user2 can borrow it
+  let amount = 0.001;
+  let token = 'BTC';
+
+  // console.log(`Depositing...${amount} 'BTC'`);
+  // await user1Client.deposit(group, user1MangoAccount, token, amount);
+  // await user1MangoAccount.reload(user1Client);
+  // console.log(`${user1MangoAccount.toString(group)}`);
+
+  console.log('---');
+
+  /// user2 deposits some collateral and borrows BTC
+
+  const user2 = Keypair.fromSecretKey(
+    Buffer.from(
+      JSON.parse(fs.readFileSync(process.env.USER_KEYPAIR!, 'utf-8')),
+    ),
+  );
+  const user2Wallet = new Wallet(user2);
+  const user2Provider = new AnchorProvider(connection, user2Wallet, options);
+  const user2Client = await MangoClient.connect(user2Provider, true);
+  console.log(`user2 ${user2Wallet.publicKey.toBase58()}`);
+
+  // create + fetch account
+  console.log(`Creating mangoaccount...`);
+  const user2MangoAccount = await user2Client.getOrCreateMangoAccount(
+    group,
+    user2.publicKey,
+    0,
+    'my_mango_account',
+  );
+  console.log(`...created/found mangoAccount ${user2MangoAccount.publicKey}`);
+
+  // console.log(`Depositing...${300} 'USDC'`);
+  // await user2Client.deposit(group, user2MangoAccount, 'USDC', 300);
+  // await user2MangoAccount.reload(user2Client);
+  // console.log(`${user2MangoAccount.toString(group)}`);
+
+  amount = amount / 10;
+  while (true) {
+    try {
+      console.log(`Withdrawing...${amount} 'BTC'`);
+      await user2Client.withdraw(group, user2MangoAccount, token, amount, true);
+    } catch (error) {
+      console.log(error);
+      break;
+    }
+  }
+  await user2MangoAccount.reload(user2Client);
+  console.log(`${user2MangoAccount.toString(group)}`);
+
+  process.exit();
+}
+
+main();
diff --git a/ts/client/src/scripts/scratch.ts b/ts/client/src/scripts/scratch/scratch.ts
similarity index 96%
rename from ts/client/src/scripts/scratch.ts
rename to ts/client/src/scripts/scratch/scratch.ts
index 4187bbd9a..6bd197abc 100644
--- a/ts/client/src/scripts/scratch.ts
+++ b/ts/client/src/scripts/scratch/scratch.ts
@@ -4,7 +4,7 @@ import { AnchorProvider, Wallet } from '@project-serum/anchor';
 import { Market } from '@project-serum/serum';
 import { Connection, Keypair, PublicKey } from '@solana/web3.js';
 
-import { MangoClient } from '../client';
+import { MangoClient } from '../../client';
 
 const main = async () => {
   const options = AnchorProvider.defaultOptions();