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RE: Why we leave HBD interests unchanged...

Makes a lot of sense — a sudden rate cut could easily trigger exactly the kind of selloff you're trying to avoid, so a slow, signaled decrease seems like the responsible path. Thanks for being transparent about the reasoning behind the witness vote, and sorry to hear about the missed mission — looking forward to the next one!

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Thanks for the feed-back. I think that this makes most sens for us at the moment. Keep it at 10% and gradually lower it to 8% over time.

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Makes sense, gradual steps down to 8% sounds like a sensible, non-disruptive approach.

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