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So could be near 25% of the savings. Not sure if that's good, bad or neither, but it's good to know at least.

I agree hard to say if it is "good" or what, but I think it used to be a lot higher.

Yea HBD distribution in savings is far better now than a year or six months ago. At the beginning, the mika account had like 1M HBD out of the total say 2M...