This post is for witnesses. I know that but would like to agree with @timcliff on most matters. 5 % APR does not seem unfair in the current market scenario which is prevailing since June this year.

You yourself said that if you move up, you'll lower your APR. I think that's ok. I don't know the technicalities if all the witnesses raise it to 5 % but Tim has made good deliberations on the topic.

I have voted @ausbitbank for witness and I request everyone to do the same.