Great idea here setting up HBD for 20% savings. WE know this will build more trust for HBD and we'll have more new investors especially as unlocking time for HBD is just 3 days.

I believe most people who take advantage of HBD interest will also have Hive powered up. While the ratio may change with an increased interest rate for HBD, I am not concerned. As more people power down, powering up will become more attrac While 20% HBD interest may seem more attractive, you miss out from any potential runs (in either direction) Hive may have. This may be good or bad depending on where the Hive price goes.

With the point you've raise here, what measures do you think will help maintain a healthy Hive? There will certainly be a drift from Hive to HBD. I know that making 9% from Hive curation is rather not as selfish as making 20% from HBD saving.

My suggestions for Hive since its unlocking session is longer - 13 weeks:

• Share new account creation fee burned to Hive stake holders.
• Look at a compounding code that increases a certain amount of Hive locked over time without powerdown. For instance, if my HP gets locked for 1 year, I earn 3% staking rewards, it it gets locked for 2 years, I earn 6% APR from the beginning of the second year. If it gets to year 3, it moves on to 9%.

Just my unprofessional thoughts though.

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