Thanks tehdos. I suppose I'm not too worried about liquidity at this point, as I'm not looking to sell soon; I just want to buy BTC for the first time with fiat money. The IOU is what you have anytime you put fiat on an exchange if I understand, and there isn't really any other way if you want to just buy some BTC with USD on an exchange. The issue I was having is the difficulty of actually getting my fiat onto BitShares. I thought once I verified my account and linked m bank account it would be a simple transfer, but it's not and the next step isn't very clear, since there's no instructions on what to do.