Hi 
Fair. The first version had real flaws — overstated APR, single-key custody, full-year duration without performance gates. The revised version is structurally different: DHF HBD enters savings and never leaves, manager paid only from curation rewards on collateral HP, interest collected upfront so the pool is whole on day one, 71 days with renewal subject to on-chain metrics, three independent active keys backed by the 3-day savings window for cancellation. If the revised version is still laughable I'd rather know now. link
RE: My DHF Proposal: Hive Comunity Bank: All DHF payments become loan capitol, loanable at 7.5% and a Permanent Source of Loans for the Hive Comunity: Revised