20% HBD is by far one of the best things that is happening in hive and can attract investors and people. Based on the dept and other stats i have read from dalz and many other well known people around Hive, there is currently no actual reason or issue that should lead to lower APR, in fact we can even increase it a bit more.

Honestly, we should pay more attention on a more well structured hive fund that i some people are taking advantage even know and thousands of dollars are in people's pocket that are offering nothing.

Btw i won't ask you to tell me who says about a lower APR but is there somewhere i can check it out myself or there are relevant posts from witnesses that are talking about this, these days? It's time to change some of my votes i guess based on what i find.