text: from pick import pick
  import getpass
  from beem import Hive
  from beem.account import Account
  
  # capture user information
  account = input('Enter username: ')
  wif_active_key = getpass.getpass('Active Key: ')
  
  # node_url = 'https://testnet.openhive.network' # Public Testnet
  node_url = 'http://127.0.0.1:8090' # Local Testnet
  
  # connect node and private active key
  client = Hive(node_url, keys=[wif_active_key])
  
  # get account balance for HIVE and HBD
  account = Account(account, blockchain_instance=client)
  total_base = account['balance']
  total_debt = account['hbd_balance']
  base_symbol = total_base.symbol
  debt_symbol = total_debt.symbol
  
  print('CURRENT ACCOUNT BALANCE:' + '\n' + str(total_base) + '\n' + str(total_debt) + '\n')
  
  # get recipient name
  recipient = input('Enter the user you wish to transfer funds to: ')
  
  # check for valid recipient name
  recipient = Account(recipient, blockchain_instance=client)
  
  if recipient:
      # choice of transfer
      title = 'Please choose transfer type: '
      options = [base_symbol, debt_symbol, 'Cancel Transfer']
      # get index and selected transfer type
      option, index = pick(options, title)
  else:
      print('Invalid recipient for funds transfer')
      exit()
  
  if option == 'Cancel Transfer':
      print('Transaction cancelled')
      exit()
  
  if option == base_symbol:
    # get HIVE transfer amount
    amount = input('Enter amount of ' + base_symbol + ' to transfer to ' + recipient.name + ': ')
    amount = float(amount)
    symbol = base_symbol
  else:
    # get HBD transfer amount
    amount = input('Enter amount of ' + debt_symbol + ' to transfer to ' + recipient.name + ': ')
    amount = float(amount)
    symbol = debt_symbol
  
  account.transfer(recipient.name, amount, symbol)
  
  print('\n' + str(amount) + ' ' + symbol + ' has been transferred to ' + recipient.name)
  
  # get remaining account balance for HIVE and HBD
  account = Account(account.name, blockchain_instance=client)
  total_base = account['balance']
  total_debt = account['hbd_balance']
  
  print('\n' + 'REMAINING ACCOUNT BALANCE:' + '\n' + str(total_base) + '\n' + str(total_debt) + '\n')
  