RE: Cheers to a healthy hard fork 28 ! Here's what should you expect as a regular user

[howo]

If you're looking to calculate the debt ratio you should definitely remove HBD from the DHF. If you want to look at the actual calculations look at this function: https://gitlab.syncad.com/hive/hive/-/blob/master/libraries/chain/database.cpp?ref_type=heads#L4869