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But it doesn't have to be only in the savings correct? It can be in the normal HBD wallet right?

It is HBD & Savings

I just put up a post that describes it in detail, but I can see what you mean with the screen shot. I will update it to show both.

I guess we need a place to put that 3% apr and a short statement about the conditions for when and how it's delivered. Now how to do all this without confusing people. haha

Maybe just say "3% APR for HBD"
Then have an info link that takes them to whatever great post that really gives all the details in a good way. It would be nice to have a bullet point post that starts pretty general and then has a few more detailed examples i guess.
I would write it but this is all pretty new to me so i'm not sure on the mechanism yet.

Already discussed with @asgarth. If either need more info just let me know.

Do you have a link to sign up for a Hive keychain, what the process involved is and will that secure the wallet also or just the hive engine tokens because one will still have the same keys from steemit.

You can find Hive Keychain on the Google Chrome Store (works for Brave as well). I don't use Firefox but I believe it is there as well.

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Hive keychain in the Google Chrome store works in not only Chrome and Brave but also Opera.

Does it function to protect the keys to your wallet or just Hive engine. Do you have a link to the google store as awhile back I do recall a warning to people who were going to a fake google store site.

any talk of making the Savings slightly higher?

or just eliminate savings?

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I don't think Savings is going anywhere and there has been talk about making the interest rate only on savings, but would require a hard fork and not sure there has been consensus on it.

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