Unfortunately, what seems like common sense to us here on Hive seems to escape majority of the crypto community. 20% APR on HBD is a no brainer, no bank in the world can or will ever give these rates ever. People have to realize the real power of HBD , let's hope that word gets to them soon. Most of us don't realize what we have until it's gone. Thank you for sharing bro and keep enjoying the festive season.