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yeah, it absolutely could be super linear but just less so than it is now.... which is certainly a possibility worth looking at. (edit to correct -- it could be super linear by less, but not by a decimal exponent)

We both came up with the same thought and commented at the same time! I think making the exponent a parameter that is changeable, like the SBD interest rate, is a way forward. We can try it at 1.5 and go from there.