Your analysis is very good and interesting, and I enjoy reading it. I have a few questions about the hive and HBD. What do you think if bitcoin falls dramatically? Will hive still follow because hive belongs to a platform that is constantly printing money? Another question about HBD is whether the APR is fixed or variable. Do you believe the value of hbd will remain stable if the APR is reduced to 10% or 5%? What is the reason for HBD's high APR?