Reveal spoiler
So this month I powered up 22 hive and put in 50 HBD in savings. 
Nice! I haven't started doing the Hive Savings thing yet. You are the second person that I have come across today who is making good use of that facility. I must look into it some more. I am particularly keen on short-term savings, between the 
#HivePUD events each month.
You should, 20% apr is pretty nice. And since it only has a 3 day lock down period it's pretty flexible.