I was none to pleased when it went down to 15%, I was counting on the 20% for my goal. But at least it changed near the end of the year so it's easier to adjust for.
I totally screwed up the splinterlands time and should have not been such a bitch so that is why I am at least trying on Holo. I'm a shit investor, I'm a farmer.
I totally agree with you on the Splinterlands thing, I am finding it difficult to play on main and alt accounts manually, but the Wild pass is a added burden on us, atleast I used to play with Wild format even though the rewards were less, but Wild pass has thrown water on that.
Good luck with the Holo Zing thing, it's fresh and is encouraging.