Thank you for your easy to understand explanations, all this time I never really knew what the haircut was for; I knew it was a thing, but I didn't know why. I agree if the goal is to make HBD as stable as possible, increasing that to 20 or 30% would probably be the most helpful thing!
Meanwhile I will keep plunking a few HBD into savings as I can. :)
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That is a help. For every 10 you put in there, that produces another one over the next year. We are going to need a lot out there.
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