It's locked in at 21%, but based on the sell price instead of buy as your analysis, the difference between the two during must have been unfavorable.
EDIT: Another column in your table with the price you did your math on would be a great addition to your reports. Keep them up, I keep an eye on these for my own references.
RE: Who do you delegate your HP to? Some APR with a lot of volatility - February 22, 2023