As I've said many times in comments to you, I don't really understand the finer details of what you are talking about, but I'm glad you do! I always enjoy reading your posts even if I don't totally get it.

That HBD interest is very very tempting, but I've been committed to growing my HP for the past three months so I haven't been taking advantage of it. My loose plan was to keep converting to Hive (and powering-up) until Hive hits a buck, then start saving HBD again. Hopefully it will still be 20% interest by that point.