No, I'm referring to the haircut ratio, it's not related to the APR%. Currently, whenever the supply of HBD (excluding HBD stored in @hive.fund) exceeds 10% of the virtual supply of Hive, the haircut rule takes effect and breaks the pegging mechanism between Hive and HBD that allows 1 HBD to be exchanged for one USD worth of Hive. Most stakeholders want to increase the allowed supply of HBD before the peg is broken, which would further stabilize the peg of HBD and allow for an increased supply, so we'll be testing to see if the required coding changes are as trivial as they sound.