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Deposits wait in the `bank` pool; interest 0.1% a day on up to 10,000 coins, paid at 00:00 UTC from the Treasury on the day's lowest amount (no deposit-before-midnight trick), at most 5% of the Treasury a night, pro rata. At most 25,000 saved. The wealth tax counts savings. No loans. Co-Authored-By: Claude Opus 5.5 <[email protected]>