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Collections are a way for you to organize kata so that you can create your own training routines. Every collection you create is public and automatically sharable with other warriors. After you have added a few kata to a collection you and others can train on the kata contained within the collection.
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I see your point, but 2 percent is not really 2.
2 percent is actually written as 0.02..
so you need to divide 2 by 100 to get 0.02
as a result you need to do the following
interest per day in decimal = (360 * 100) = 36000
old kata === easy kata;)