Ofcause I use might because we don't know yet, we don't have any data.

0% APR might also be better, but again we don't have any data on that either.

We know none of these things :D
We don't know what will happen if we continue to have HBD at 20% either.
It is all guess work :D

I don't know if it will me more governace or not. No clue :D