Aligning the HBD annual percentage rate (APR) with that of HIVE could be a beneficial initial move. Although HIVE is fundamentally the cornerstone of this platform, there appears to be a disconnect between the platform's major stakeholders and decision-makers regarding its value, contributing to HIVE's declining price. The establishment of a 20% interest rate for HBD seems to correlate directly with HIVE's downward trend. A more tactical approach to managing the interest rate could also support HIVE's price, especially now, as we anticipate the start of a bull market. Lowering the HBD rate could redirect investments towards HIVE, potentially drawing in more investors and ensuring we capitalize on the bull market. I believe that without halving the HBD rate soon, HIVE may struggle to surpass the 30-40 cent mark, risking our chance to benefit from the upcoming bull market for HIVE.