This sounds like a really interesting project. From a completely uneducated perspective, please can you explain the circa 80% of the total MCAP held in HBD earning 10% interest. I though individuals could do this anyway on their own in their Hive account, but I've only been on Hive, Leo, POB under 2 months and it sounds like I have either misunderstood or am missing something here. So to me it sounds like only 20% of the funds invested are actually invested in trading activity outside of Hive and I don't get why people would not just send the 20% value over then and put the 80% in their own HBD account. Genuine question as I like what you are looking to do overall :-)