Yes, I think that's true for most people on Hive (including me as I hold much more Hive than HBD). But there are definitely some people out there who hold Hive dollars, and figured it was only fair to tell them how to prepare in order to maximize the amount of interest they receive during the transition in rules with HF25.
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Yes, totally agreed and well done in your efforts to be fair to all.
Each to his own.