Hey,

I initially didn't explain this section as it's difficult to write it without using too many difficult terms in a few sentences, but I added it now nonetheless:

From above:

• The amount of SBD you receive with your author rewards has been indirectly changed. You currently receive a lot of STEEM instead of SBD as the debt ratio is above 2%. If it were at 5% or above you would receive 50% STEEM and 50% SP. In HF20, you'll receive SBD unless the debt-ratio is above 9% and under 10%. If it's above 10%, then you'll receive 50% STEEM and 50% SP as well.