Every night, Manifold give users a loan of 4% of their outstanding bets. The reason for this is that we'd be massively disincentivised to bet on long term markets otherwise - it would mean locking up your Mana and leave you unable to bet that Mana on other markets until your "Will x happen by 2100" market is resolved or you cash out of it.

The details of the old loan scheme are here:

https://docs.manifold.markets/faq#what-are-loans

In the last couple of days, this has changed so that we no longer get this loan automatically - we have to visit the Manifold home page and click on the treasure chest marked "loan" to get the loan. If you forget to do it on a particular day, you've lost the ability to get that day's 4% for good - you can't catch up on a later date.

Definition of removal:

• If the feature is removed, it counts as a complete removal

• If the feature is made optional (ie. there's an option to automatically collect loans), it counts as a partial removal

• If the feature is modified so that we get loans for the days we missed, it counts as a partial removal

• If an unofficial, user-created method is widely used to get around the new feature, that will not count

• If the feature is temporarily taken down for technical reasons but Manifold make it clear that it is not their intention to remove it, that will not count

Definition of adding it back:

This will refer to Manifold adding a system that requires you to do an action to receive your loan. Making the feature optional or getting loans for a limited amount of missed days will not count.