The stabilizer, not even accounting for the 5% conversion fee, has generated a profit for Hive of almost $2 million while I doubt we have even paid $1 million in interest (would require 5 million HBD in savings for a year). So right now the 20% is perfectly sustainable for now even without considering its low overall inflationary impact. However I do not expect the 20% rate to last forever, at some point it will need to be cut. I've voted for a lower rate for a while but not strongly advocated for an immediate reduction because I think the "right" rate is unclear within a reasonable range including 20%, again, for now.