10% makes sense to me - perhaps with a statement that the rate will be reviewed annually (or 6 monthly or whatever).

Questions: What sort of impact will this change have on EDSI apr? Am I correct in assuming that it would decrease APR by around 3 - 3.5%. (from 20% currently to 16.5-17%) would this bring forward the flippening, where APR starts to increase each week. Maybe even a bigger hit in the short run would be enticing if it put the flippening in sight?

Another thought, maybe the return for eds-vote and eds-d needs to be reviewed. Paying 50% of income makes it a hard sell. Perhaps a move to 75% would attract more funds. a 25% profit on 20K HBD for example is better than 50% profit on 2K. Just something else to consider.

Just a few random thoughts, LBI will be happy with whatever you decide and continue to support EDS.