We looked into it briefly and came to the decision that the blood in the cord is supposed to end up in the baby, and if you delay clamping for a few minutes, it ends up in the baby. So we did that. And, sure enough, after some period of time (I'm really not sure how much), the cord went white and all the blood was over in kiddo. So we didn't bank any of it or donate it. So far, kiddo is doing just fine!