Prop 35: Lower base interest rate for borrowing

Due to the high utilization rate of the lending pool, the max interest rate threshold for borrowing is reached faster, effectively preventing new borrowers from entering the system due to unfavorable borrowing terms. By voting YES to this proposal, you agree to lower the base loan interest rate to 8%, which in turn will decrease the cost of borrowing at high utilization levels, while the slope and delta of the APR will be changed according to the new base interest rate.