You're welcome! It's great to hear that you found the overview useful.
People are discovering the 20% APR
Yes, the increasing amount of HBD in savings could be a sign that more people are finally discovering the 20% APR on savings. It's a nice incentive to encourage people to hold onto their HBD and earn some interest at the same time. Thank you for your comment and have a great day!
Have a great day as well.