Damn!
Was so set on a $25 bottom, I used all my allocated fiat to buy physical. And was really happy to get the silver when it hit $22.22 spot.
Now it's what, $19.50?
Oh well, live & learn. This was dollars spent that would have sat in the bank collecting 0 interest.

Remember you only lose or win when you sell the physical. Holding it, it's in limbo.