"There's a reason why direct democracy doesn't work, and it's because it puts the average person in charge of things that should be controlled by the experts of that particular field."

And why America's forefathers established the United States of America as a Republic ... Which very few people in our country today have any clue about ...

If democracy is the ultimate, then throw all of Congress out and put the ... "vote" ... up on the screen of our various "toys." Based upon everyone then making a ... "well-informed decision" ... because ... "everybody knows" ... then what could possibly go wrong! 🤷‍♂️

Ohhh ... Wait! ... You were talking about HDB and its interest rates ... Hahaha ...

Thanks for the investment of your time, in putting this together @edicted. Bookmarked for future reference! 🫡