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RE: Lower debt ratio with conversion of SBD?
The UPVU frontend loads very long. It is a fork of another frontend and modified. I don't particularly like the look and feel and the long loading times. I don't use it.
Steemworld offers the conversion too, so this would my recommendation.
I've used it for some time as I tested its delegate-SP-to-earn-ETH feature.
Always slow, as my wild-guess, it's probably self-hosted on a modest server and I just traced it, it's located in South Korea.
Thank you for the convert feature suggestion.
Took me some time to realize I had to login first so the right balance is checked and the button is present on the interface. Nicely done.