I agree that a reverse-conversion would solve the problem with HBD going above USD, and if that gets to be an issue again, some limited form of that seems like the simple fix (well, other than the HF, of course). Creation thru collateral is another. I plan to look at HBD stability in the future, and I'm happy to read ideas about it in the meantime, but there's a lot of high priority things to improve now, HBD stability is just one. We may be able to address it HF25, but it's too soon to say yet.