 is even slightly late to pay back any mana loan that they intentionally accepted. Any extensions must have been agreed upon in advance.

 may choose to resolve this market NO if they don't owe any mana to other users. Once they do so, they will be prohibited from taking on any new loans for three months.

I will use this description as a ledger of what I owe and when I owe it. I will update it as appropriate. All amounts listed include any fees or interest associated with the loan. Dates listed are the final day during which payment is not late (PST -8:00).

(short term loans not listed, nor included in running totals)

Debts paid off, cleared, and/or forgiven: