We want people to be enticed by the return yet do not want it to be so great that every HBD on the market is shoveled into savings

Well this can be tricky, however, since 10% is quite a decent interest rate I believe some people would be interested and others generally wouldn't. Nevertheless if it'll be too much, 5% wouldn't be bad. Since having too much of HBD saved for the profit can't be so good. All in all I hope we will maintain the stability of HBD for a really long time.

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