Just a quick notice, I changed my HBD rate back to 20%.
When I re-entered the top 20 recently, I remembered the discussion from a few months back about lowering the interest rate, and saw that it's a close tie. I decided to use my new found power to try how the community reacts to lowering it. What I've seen most users haven't been happy, so we're back to a stable 20% until someone else changes it or I drop out again.