You bring up great points.
The time to add to HP is when the opportunity presents itself. We are seeing a chance to add a little more HP due to the peg being so amiss.
I didnt think about the inflation being where it is. Are we at 7.5% now? We could even be a bit lower.
Either way, every year the inflation rate will decrease. Plus the HF will likely bring the price of HBD back in line a bit.
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