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HI guys. I have few questions, I have been with Ripple for some time but I am not very tech savvy so some of the questions below may be silly but I am sure apart from me there will be plenty of newbees who will be helped by the answers by you so any help will be appreciated. if one wants to open the new Ripple account because he has lost the recovery key of previous account, how can that be opened..? if the Ripple account is opened by a particular gateway and gateways goes bankrupt, would you still be able to access your xrps.. ? if yes how.. ? I have heard about creat