Ofcause I use might because we don't know yet, we don't have any data.
0% APR might also be better, but again we don't have any data on that either.
We know none of these things :D
We don't know what will happen if we continue to have HBD at 20% either.
It is all guess work :D
I don't know if it will me more governace or not. No clue :D
RE: Listening to feedback regarding HBD APR (and Posting Rewards)