It's definitely a move in the correct direction. To have a sustainable situation HBD market cap needs to grow at the same pace than HP market cap. Now HBD grows but HP not really. So it's just a matter of time until we reach the haircut and I honestly don't want to see what happens if we reach it... Especally at the second stage where HBD is not worth 1$ anymore. I'm not sure many understand that on hive and if suddenly HBD is worth only 0.85$, it could lead to panick sales that would not only impact HBD but also hive. By lowering APR on HBD savings we move towards stability and incentivise people to hold more HP and less HBD.