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I'm definitely not opposed to alternative suggestions personally. The 15% APR is pretty decent. Is it sustainable? Will the witnesses change it again? I honestly don't know. That said if we have a lot of HBD we should be doing something with it. Do you have something else in mind? The only thing I could really think of is using it to buy back DEC or SPS, but at this point no one has suggested anything. That's why I said someone could make a proposal offering an alternative use for it.