The rates are variable which is going to bring in a lot of questions.

Certainly, there could be a flood of HBD hitting the market with a 1 year lock up as they become due.

Of course, if one locked 20K HBD for a year, earning whatever percent, what are the chances much of that gets reinvested.

We are already seeing that with the HBD savings. Most are just growing the account.

Plus, the goal is to have options with HBD. So, a year from now, perhaps one doesnt sell it but utilizes it.

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