Add a new rule named “Loans” and give it the following text:

There are Loan Sharks who are available to service Loans to Punters. Each Loan Shark has the following publicly-tracked values:
* Name
* Minimum Readies: A Punter requesting a Loan from this Loan Shark must have equal to or greater than this amount of Readies.
* Maximum Loan: The maximum amount of Readies a Punter may request in a Loan from this Loan Shark.
* Rate: The interest rate of Loans from this Loan Shark, represented by a rational number rounded to 2 decimal places between 0.01 and 1.00 inclusive.

At any time, a Punter may request a Loan by privately informing the Bookie of the name of a Loan Shark and the amount of the Loan as a number between 1 and the Maximum Loan for the requested Loan Shark. Upon receiving the request, if it is valid and the Punter does not already have a Loan with the requested Loan Shark, the Bookie should, at their earliest opportunity, privately track a new Loan for this Punter and then add the amount of the Loan to the Punter’s Readies. The information tracked with a Loan is the following:
* The name of the Punter who requested the Loan
* Loan Balance, which is an amount defaulting to the amount requested
* The Name of the Loan Shark
* The Rate of the Loan Shark.
* The Countdown, which is a number defaulting to 7

Once each Day, for each Loan tracked, the Bookie shall multiply the Loan Balance by the Rate, round this to the nearest integer, and add the result to the Loan Balance, then subtract 1 from the Countdown. If the Countdown for a Loan is 0 after this action, the Bookie shall perform the Delinquency action, which is an atomic action with the following steps:
* Set the Countdown for this Loan to its default value
* If the Punter associated with this Loan is not already Delinquent, make a Story Post naming the Punter and describing them as Delinquent, using any flavour text of the Bookie’s choosing as long as it doesn’t contain the name of any other Punter.

A Punter whose name has been mentioned as Delinquent by the Bookie in a Story Post is considered Delinquent for 24 hours from the date and time of that Story Post, after which time they are no longer Delinquent. While a Punter is Delinquent, they may not take any dynastic actions.

At any time, a Punter may request the Loan Balance of a Loan from the Bookie by referencing the Name of the Loan Shark associated with that Loan. The Bookie should respond as soon as they are able when such a request is received.

At any time, a Punter may Pay Loan by sending a request to the Bookie with a positive amount of Readies no greater than the Punter’s current Readies and the Name of the Loan Shark associated with that Loan. Upon receiving the request, if it is valid, the Bookie should, at their earliest opportunity, subtract that amount of Readies from the Punter and from the Loan Balance of the matching Loan. If the Loan Balance is 0 or less, the Bookie should remove the Loan from tracking.