Wow!!! I hadn't noticed or read about that. I was delighted with 12%, 20% is unreal altogether. I am definitely going to start accumulating more HBD then, I started when Hive price went very high as I could not justify paying 2.5HBD per Hive, so saved it instead and just decided to leave it there.

On the HBD savings, when do the interest payments come through? Is it once per year or quarterly or what, do you know?