I agree with the 10% increase steps you suggested. I think lifting the hard cap ceiling is absolutely necessary. HBD is a stablecoin so there needs to be enough liquid for people to use. With more users coming to Hive, the demand for HBD is higher. As far as the savings account, maybe increase to 15% to entice more people to keep HBD on chain and ease sell pressure. Both of these would help HBD become more stable in my opinion.