HI @askrafiki Thank yu for the feedback, with regard to these notifications for borrowers: It should say:

You said: HIVE price can fall sharply. TMy statement: here are no liquidations, so this is not a concern
You said "collateral can be locked, powered down, or liquidated." My statement: collateral is never liquidated.
You said: "margin calls may happen quickly." My statement; Hive Comunity Bank doesn't do liquidations and doesn't do margin calls.
You said "HBD loan obligations remain even if HIVE drops." My statement: HBD interest is paid upfront, and while HBD obligation remains, Hive Community Bank keeps the collateral indefinitely, powered up as HivePower and earning Hive curation rewards.
You said: “Borrowing may avoid selling” is not tax advice." My statement: True.
You said: "governance/multisig can act in emergencies." My statement: We use a shared key model of security which takes advantage of Hive's intrinsic 3 day timelock on HBD withdrawals, crating a defence in depth against unauthorized withdrawals.
You said "oracle errors and blockchain delays are real risks." My statement: "We don't use oracles" and we use blockchain delays as security features.