Mother nature is really amazing. While your are preparing to move into a cold weather, we are preparing for the hyper hot dry season over here😀. You have really done an amazing job compiling this report @geekgirl, I have not really saved much HBD for a long period and I do not really know much about the interest rate all these while. The report actually provided me with valuable information, I hope the witnesses do not finally change their mind by the time I will finally decide to start saving