cool meme, I'm a bit concerned about the 20% HBD interest rate, according to Witness votes you are signaling 20% too, what's your risk assessment / reasoning behind supporting the interest hike to 20%? Some developers and witnesses also push for increasing the debt ratio of HBD/HIVE (from currently 10%) up, which will increase the debt rate even further. What's your position about increasing the debt rate? Possibly making Hive hype-inflate in the next bear market?