Hi Hive account@futurethinker. When we mentioned 15% APR, we meant the delegation market of steemit which is showing consistent risk-free returns for all the steemians who are already owning some amount of steem. However, the risk that you are highlighting is the steem currency risk that is definitely there since cryptocurrencies are very volatile. Thanks for pointing this out. We were just highlighting the fact that keeping the currency risk aside, if you are a long term steem investor, then the delegation market returns far beats any other market returns consistently which is a unique capability of steemit. Thanks for your inputs on this.