Great analysis. 12% is a fantastic return and I have about 15% of my overall value locked into HBD. I am early in my growth cycle however, so the majority of my earnings go towards increasing my HP. Once I reach 10K HP, I will start to move more to the HBD savings, especially if the 12% is still there.

Do we know why the witnesses brought this in? Is there a defined benefit overall in having people lock up earnings in HBD?