Please someone explain the bitcoinica interest rate to a noob!

[schnell]

What is there:
Currency   Bitcoinica Buy   Bitcoinica Sell
Daily Pip   Apy   Daily Pip   Apy
BTC   0.0   0.0%   0.0   0.0%
USD   1.96   7.41%   5.0   20.02%

How I see it:
DFDGFJKJKNRFJNKEWNJFJKWEFNKJWFE
FWERWEFRHW£ERWEUWUERUE$R
WREFREFWREFH$EWFWREFWFE

Please just explain them, and most importantly the rate I would get for just depositing and idling btc and/or usd

[Meni Rosenfeld]

"Bitcoinica Buy Apy" is what you'd get per year for an idle deposit. Currently this is 0% for BTC and 7.41% for USD.
"Daily Pip" is in units of 0.01% per day.
"Bitcoinica sell" is what you pay for a "negative balance". Eg, if you buy bitcoins on margin, you have to pay the USD Bitcoinica sell Apy.

[schnell]

"Bitcoinica Buy Apy" is what you'd get per year for an idle deposit. Currently this is 0% for BTC and 7.41% for USD.
"Daily Pip" is in units of 0.01% per day.
"Bitcoinica sell" is what you pay for a "negative balance". Eg, if you buy bitcoins on margin, you have to pay the USD Bitcoinica sell Apy.

So on a 36USD balance I will make 0.0072 dollars a day? :/
Thanks though!