As I mentioned, 18% was the trigger point for me. At that point, I stop adding interest and earnings to HBD savings and instead, convert 90% of interest and earnings into Hive and BTC (or Swap.BTC) but leave 10% as liquid HBD, and leave my savings in place. That's where we are now.
If the debt ratio breaks 20%, I'll start liquidizing 20-30% of savings, but keep it as liquid HBD, ready to sell off if the debt breaks above 21.5%.
It's quite possible that more people will sell HBD as the debt increases and that might ease the debt ratio and eliminate the need for some of my more drastic steps.
!BBH
!ALIVE