^\*LAST UPDATED 8/01**)

OFFICIAL FREQUENTLY ASKED QUESTIONS AND ANSWERS FOR EIDL

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PURPOSE:
This post will be a master thread with everything we have collectively learned on EIDL about the loan and the application process. It will be updated on an ongoing basis and will always contain the most current information. Things change frequently at the SBA with policy and you should check back on this thread on a regular basis.
Please post any questions not covered and I will respond and add them here.
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INDEX OF QUESTIONS:
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1. How do I get in touch with customer service phone support?
2. What are my chances of being approved for this loan? Can I know in advance?
3. I received a decline letter for “Business activity not eligible”. What can I do?
4. How is the loan amount calculated? How can I request a specific amount?
5. What is the maximum loan amount?
6. When will I get my portal invite?
7. I finally got a portal invite and accepted and submitted an amount. My application says it is "processing", now what?
8. I understand that processing really means "underwriting", but how long will it actually take? What is the normal amount of time?
9. Does contacting my congressmen or senator actually work?
10. I accidentally entered the wrong revenue or COGS on my application and my offer amount was lower than I expected, is it possible to change this?
11. I need to change my Rev or COGS and I already accepted an amount in the portal, Tier 2 told me to do it! Is it too late?
12. Who are you, cue378? Can you help me?
13. My loan as obligated or already funded, I made a mistake with my COGS or revenue and I am not happy with the amount. Can I change it?
14. How do I show support for the volunteers and moderators for EIDL
15. I received my portal link, but when I go to create an account it just takes me to the login page. What can be done?
16. I was declined for "unsatisfactory credit". What are my options?
17. What documents are required? Will a loan officer contact me?
18. What is the status of the Advance/Grant program? Can I still get a grant?
19. What are the eligible uses of EIDL funds?
20. I received a denial letter for the reason "ECONOMIC INJURY NOT SUSTAINED". What does this mean and what can I do?
21. What is CAWEB and how can it help me track my loan disbursement and other status?

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1. QUESTION: How do I get in touch with customer service phone support?
ANSWER: The highest level of official customer service is known as "tier 2" and can be reached by calling 1-800-659-2955 and asking for Tier 2. (NOTE: As of 5/29 the previous direct number is currently out of service) They are unfortunately, a very limited means of support. They are able to check your application status and see the current "stage" and leave notes in your file, but unable to directly make any changes or escalate anything in a meaningful way.
Most are very nice and well meaning people but are usually poorly informed and often provided contradictory information between calls. The important thing to understand is that notes left by T2 do not actually notify a loan officer or anyone, they are simply waiting to be read if someone happens to open your file and takes the time to review the case notes. So if a T2 says they requested a change do not assume it was or will be made.
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2. QUESTION: What are my chances of being approved for this loan? Can I know in advance?
ANSWER: The loan is relatively easy to get approval for by loan standards. The exact underwriting criteria the SBA is using was leaked by some helpful people (hat tip to u/Sbaleaky) and thus you can have a good understanding what your chances are.
Underwriters look for the following:
-Minimum Credit Score of 570. They will pull from experian. Close to Vantage 3 model found on nav DOT com or TransUnion numbers on credit karma. They do NOT use FICO. Credit score is largest factor for approval for this loan and no exceptions are made for under 570.
-If economic injury was sustained based on formula described in QUESTION 4. If this is a negative number you will be auto declined. (SEE QUESTION 5) The SBA does not consider potential revenue lost or general expenses in the loan amount.
-Tax liens or tax issues are NOT a disqualifying factor or taken into consideration for COVID19 disaster.
-Business start date must be prior to 1/31/20
-open bankruptcies = Declined. Closed OK.
-Arrest for felony < 5 years = Declined
-Arrest for misdemeanor < 5 years = Declined
-Sole proprietors with delinquent child support > 60 days = Declined
-Any business principals with 50% or more ownership with delinquent child support > 60 days = Declined
-Your business must pass verification in some way that it is a valid operation. If they can find it on google it will suffice. Otherwise you may have to provide documents to prove it's a legit business.
-Your business type must not be on the list for ineligible business activity. See list on FAQ.
-All owners on application must be either US citizens or Permanent Residents. E-2 Investor visa is NOT eligible and any attempts to appeal or add a co-borrower who is a citizen or LPR will be unsuccessful. Corporations, Partnerships, and Limited Liability Entities (LLE): Alien-owned corporations, partnerships, and LLEs properly registered and licensed in the state where the disaster occurred are eligible. If any member, partner, or shareholder, owning 20 percent or more of the applicant business is in the USA they must be a qualified alien. If the alien resides outside the USA an exception may be made.
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3. QUESTION: I received a decline letter for “Business activity not eligible”. What can I do?
ANSWER: EIDL has a list of restricted business categories, if your type is NOT on this list and you still received this letter you may have been improperly classified.
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The following applicants are not eligible for EIDL assistance.
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• 7-Eleven Franchise Stores, despite what corp office says. (advance is OK)
• Lending or Investment Concerns (except for real estate investments held for rental)
• Multi-level Sales Distribution (Pyramid) Concerns c. Speculative Activities d. Non-profit Organizations that are not considered a Private Non-Profit
• Consumer and Marketing Cooperatives. However, other cooperatives and small agricultural cooperatives meeting applicable size standards are eligible f. Not a small business concern (except for PNP of any size) g. Gambling Concerns. Concerns that derive more than one-third of their annual gross revenue from legal gambling activities.
• Casinos, Racetracks, Etc. Businesses whose purpose for being is gambling (such as casinos, racetracks, poker parlors, etc.) are not eligible for EIDL assistance regardless of their ability to meet the one-third criteria established for otherwise eligible concerns.
• Loan packagers who derives more than one-third of their annual volume from the preparation of applications seeking financial assistance from SBA
• Religious Organizations.
• Political or Lobbying Concerns.
• Pawn shops, when 50 percent or more of previous year’s income was derived 50 30 9 71 Effective Date: May 31, 2018 from interest
• Real Estate Developers. Establishments primarily engaged in subdividing real property into lots and developing it for resale on their own account.
• Life Insurance Companies.
• Concerns Engaged in Illegal Activities (as defined by Federal guidelines). p. Government-owned concerns, except for businesses owned or controlled by a Native American tribe.
• Concerns with Principals Incarcerated, on Parole or Probation: remain ineligible if the parole or probation is lifted solely because it is an impediment to obtaining a loan.
• Concerns engaged in live performances of, or the Sale of Products, Services, of a Prurient Sexual Nature.
• Businesses considered as hobbies.
• Concerns Involved in Change in Ownership Situations: Concerns which had a substantial change of ownership (more than 50 percent) after the impending economic injury became apparent, and no contract for sale existed prior to that time are ineligible .

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4. QUESTION: How is the loan amount calculated? How can I request a specific amount?
ANSWER: There is no way to request a specific amount, the eligible amount is calculated automatically by formula based on your inputs. There are three known formulas:

1. Standard Small Business: Revenue minus COGS divided by 2 minus advance, subject to maximum of 150K
2. Not for Profit: 6 months operating expenses year prior to 1/31/20
3. Business that collects rental property income, your offer is calculated by lost rents due to the disaster, not the standard formula. If your offer is lower than expected you may have been wrongly classified into this formula.
4. Agricultural businesses: 6 months operating expenses year prior to 1/31/20

If the formula results in a negative number or less than your advance you will be declined for "ECONOMIC INJURY NOT SUSTAINED"
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5. QUESTION: What is the maximum loan amount?
ANSWER: As of last update it is currently 150K cap. This will not change anytime soon and there will be no way to request more at present. The only way to avoid the cap is if your loan was already being obligated prior to the change by the SBA from 500K. If I hear anything new on this it will be updated here.
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6. QUESTION: When will I get my portal invite?
ANSWER: Portal invites are a fully automated process and not strictly sequential but follow general group patterns. If you see someone that has a higher number than you get a portal invite it does NOT mean you were "passed over".
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7. QUESTION: I finally got a portal invite and accepted and submitted an amount. My application says it is "processing", now what?
ANSWER: This is when the actual loan process starts and underwriting begins. Your application will be assigned a loan officer for review using the criteria listed in question 2. The exact process is as follows (hat tip u/sbaleaky and u/LOL_Face_69) with the actual stages from start to finish. Keep in mind that once you accept in the portal a number of things are going on behind the scenes, which is why "processing" can take a great deal of time. Once you see a loan amount in your portal, this is NOT a "pre-approved offer". It is simply a potential amount you are eligible for based on the stated formula if you pass underwriting.
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• Initial Call Needed (credit not ran)
• Credit Pulled (waiting for automated portal invitation, this is by far the longest part of the process)
• Quoted (received portal invite with an eligible amount)
• Offer Accepted (you confirmed and submitted an amount in the portal)
• Submitted Deal (waiting to be assigned to a Loan Officer)
• LO assigned and makes decision: Declined, Duplicate, Approved

[The following takes place behind the scenes and will not reflect in your portal, but will still say "processing"]

• Approved: T2 Rep can now see your loan is approved on their screen. This means the Loan Officer has approved the deal and it is now going to the Senior Loan Officer. If the SLO does not approve the deal then it will go to declined.
• Obligating: SLO known as a "team leader" reviews the work of the first LO to ensure everything was done correctly. Once they sign off on the deal the loan is now fully approved. The loan is being sent to the E-Tran system to receive a loan number. The loan has not yet received a loan number from E-Tran while obligating. This is the most common phase where hang ups in "processing" can error called "error in obligating". Usually due to small technical issues or errors in your information that need to be sorted.
• Obligated: A loan number from E-Tran has been obtained and now closing documents can be drafted and sent to the borrower. This is when your portal would change from "processing" to approved. There may be a delay between when your offer is obligated to when it actually shows approved. I have seen it happen in as fast as 10 minutes or as long as 12 hours. You can also see approved but not have docs available. Docs will not show up until you get an email with the approval. The delay on this can be a few hours or more.
• Funding: Docs are signed and the loan is automatically moved to funding stage to have treasury issue an ACH. This happens very quickly and you should see the ACH sent right after with the funds arriving in 24-48 hours on banking days. At this point you can track the disbursement with your loan number from the docs using CAWEB to see if the ACH has been sent. See CAWEB question.
• Funded: Process complete, funds are successfully in your bank account. Congrats

Note: The exception to this process is that some applications which are considered easy (based on unknown factors) to approve are subject to full automation and may go straight to approval bypassing the above steps. This only happens in rare cases.
You may also see a status that says, "On-Hold" Amount $0: This status typically is when your loan was temporarily declined and is still in the reconsideration department pending possible reconsideration approval. It most commonly relates to credit based issues or problems pulling your credit report from Experian.
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8. QUESTION: I now understand that processing really means "underwriting", but how long will it actually take? What is the normal amount of time?
ANSWER: The amount of time it is normal for your portal to say "processing" is highly variable as a hundred different factors are involved behind the scenes. Once you submit for processing you are in queue to be assigned a loan officer**.** If your application has been in underwriting for greater than 20 days it may merit investigate, but not necessarily indicate a problem with your chances of approval. Do NOT panic if it seems "stuck" with no communication from anyone. This is normal.
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UPDATE: As of 7/20 the current queue/wait time to be assigned a loan officer, get approved, and have closing docs drafted is 14-18 days. Some are seeing immediate automated approvals same day, this only happens in around 30% of cases. The rest must be manually processed. You are NOT "stuck" if you are still within this time range.

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9. QUESTION: Does contacting my congressmen or senator actually work?
ANSWER: Yes, the SBA treats congressional inquiry very carefully and will flag and sometimes white glove your application. Often they will assign a special case worker during the process. The important thing is when your local congressional office reaches out they do NOT contact the local district SBA but this email: [[email protected]](mailto:[email protected]). This email is NOT for use by applicants but only official government purposes.
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10. QUESTION: Help! I accidentally entered the wrong revenue or COGS on my application and my offer amount was lower than I expected, is it possible to change this?
ANSWER: Yes, but only if you meet the following two conditions:

1. You should NOT have already accepted an amount and submitted for processing in the portal. *If you already did see note below.
2. You have documentation to backup the changes such as Federal Tax Returns 2018 or 2019 or P&L Statements. Tax returns are preferred if available but not required if the offer is showing as eligible in the portal.

The important thing here is DO NOT accept the offer in the portal if you need to revise your numbers.

*IF YOU HAVE ALREADY ACCEPTED THE OFFER: Call tier 2 support as soon as you possibly can and ask them to make the following note in your file: Loan Officer, DO NOT approve this file without calling me, the applicant, because my (revenue or COGS) figures are wrong. I have supporting docs to make the changes. Please contact me ASAP.
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11. QUESTION: I need to change my Rev or COGS and I already accepted an amount in the portal, Tier 2 told me to do it! Is it too late?
Answer: Unfortunately tier 2 is currently giving absolutely terrible advice in this situation. They are telling people to accept the offer in the portal to speak with a loan officer to make the revision. The problem is that once you accept you set the process in motion and then it gets obligated by treasury it is impossible to adjust. The proper time is prior to accepting. Often times loan officers never are needed, never reach out or even read these notes. I see it every day and people are stuck its the "kiss of death" advice. If you already accepted you may have time but would need to work quickly from date of submit.
UPDATE: As of 6/15 there is now a way to fix this. See question 13.
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12. QUESTION: Who are you, cue378? Can you help me?
ANSWER: I am a small business owner sharing the information, strategies, and general knowledge I have gained over the course of 4 months and helping in almost 1000 cases. I do not work at the SBA nor do I have any affiliation with the SBA.
Do to an extreme flood of requests for help, I will not be able to answer PM's or chat requests.
Some people have asked how they can support my efforts. While I do not ask for donations, another volunteer decided to setup a tip jar in case people want to show their support. To be clear any assistance I offer is entirely free without any expectations. Please note, anything donated prior to contacting me in an effort to gain faster help/special attention won't yield those results, while appreciate your support I keep everything fair to others who don't donate. The tip jar can be found HERE.
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13. QUESTION: My loan was obligated, already funded, or I already accepted the amount in the portal. I made a mistake with my COGS or revenue and I am not happy with the amount. Can I change it?
ANSWER: As of 6/12 loan modifications are now being allowed. You can contact [[email protected]](mailto:[email protected]) and request a "Loan Modification increase". It is a 3-4 week process that requires documentation. A second loan will be given for the difference from the first one. It will be processed as a 20xx series loan in the old system/portal. For more details email me. Note if you have not yet accepted the offer the normal process is much faster.
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14. QUESTION: How do I show support for the volunteers and moderators for EIDL
ANSWER: For supporting Cue378, there is a tip jar listed above. If you wish to show support to our community moderators, you may reach out to them direct at u/tahoechick36 and u/Scorpio14534to ask how you can show your appreciation for their time and efforts. It takes a great deal work run the community and they are putting in a near full time effort outside their normal occupations.
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15. QUESTION: I received my portal link, but when I go to create an account it just takes me to the login page or I get the error: "The user account has not been confirmed yet. What can be done?
ANSWER:
If you takes you back to the login screen instead of letting you create an account, try following the steps HERE
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16. QUESTION: I was declined for "unsatisfactory credit". What are my options?
ANSWER: You have a few options.

1. You can bring your vantage 3 score over 570 by paying down cards, when you are ready you can request the SBA re-pull your report and reactivate your account via [[email protected]](mailto:[email protected])
2. *You can request to add a co-borrower that has a higher score than 570 with no open bankruptcy and run their credit to reactivate your application.

*As of July 20th the SBA is no longer allowing the use of a Co-Borrower for reconsideration of an insufficient credit denial. Further details and updates on this situation are available in the thread HERE.
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17. QUESTION: What documents are required? Will a loan officer contact me?
ANSWER: In many cases no documentation is required and everything is self certified. Most commonly an LO will need to contact you to clarify some things about your business or request specific documents, or confirm your public business presence. In about 1/3 cases you will receive no communication from a loan officer and approvals are automated. For denials you lose self certification ability and you will be required to furnish full documentation.
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18. QUESTION: What is the status of the Advance/Grant program? Can I still get a grant?
ANSWER: As most of you already know, the EIDL Advance/Grant program has ended and the full 20 billion in funding for the advance has been exhausted. The option has been removed from new applications. Getting funding for the advance as a new applicant at this time will not be possible.
For older applications please see this post for more information:
https://www.reddit.com/EIDL/comments/hr3l41/eidl_news_714_update_regarding_the_current_status/
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19. QUESTION: What are the eligible uses of EIDL funds?
ANSWER: These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. What are all the possible uses of the funds? The wording ‘obligations that are unable to be met due to lack of revenue’ seems to be a catch all, but how much so? The EIDL working capital loans may be used to pay fixed debts, payroll, accounts payable, and other bills that could have been paid had the disaster not occurred. The loans are not intended to replace lost sales or profits or for expansion.
If you have more specific questions on the allowable usage of EIDL funds, one of our moderators, u/Scorpio14534 who is also a licensed professional CPA that is very knowledgeable on this matter is open to email requests. They can be reached here: [[email protected]](mailto:[email protected])
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20. QUESTION: I received a denial letter for the reason "ECONOMIC INJURY NOT SUSTAINED". What does this mean and what can I do?
ANSWER: This occurs when the numbers entered on your application for COGS are greater than your revenue. The SBA calculates economic injury based on the formula in question number 4. You can also be denied for this reason if the resulting number is less than your advance amount. Please note that the SBA is only taking into account revenue earned prior to the disaster date of 1/31/20 to calculate your economic injury. If your only revenue was earned after that date as a newer business you may not qualify, but it is possible to use a 12 month projection which you can submit to reconsideration.
If the numbers on your application were correct, you would not be eligible for an EIDL. If you made an error you can request an amendment and reactivation of your application.
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21. QUESTION: What is CAWEB and how can it help me track my loan disbursement and other status?
ANSWER: You can use the Capital Access Finance System to track your EIDL after your documents have been signed and submitted through funding. It allows you to see disbursement status and other details related to your loan.
****Hat tip to u/tahoechick36 for this amazing write up*\*
Using the Capital Access Finance System to track your EIDL after your documents have been signed and submitted through funding.
Visit caweb.sba.gov or click the link at the top of EIDL
Setting up an account:
You need a SBA Loan # to set up an account - for EIDL it appears on the first page of your documents, in the upper left hand area, and says "SBA Loan # XXXXXXXXXX.”
SBA loan #'s are 10 digits. Your Application # will NOT work for account set-up.
If you have a PPP Loan, you can use your SBA # for this loan to set up an account. Sometimes this # is easy to figure out, sometimes not. That has to do with an intermediary (like your bank) being involved, but if you can track down an actual SBA Loan #, you can go ahead and get registered without your EIDL loan number.

1. On the home page click on "Not Enrolled?" in the top left. This takes you to a screen to enter info. You may come to hate this screen, this process is very finicky.
2. Look at the rules for creating a User ID and Password by clicking on "Rules..." next to the fields.
3. Write your exact ID & password down somewhere - if you ever get locked out and call the SBA for help, they are going to tell you that Borrowers are not supposed to be able to access CAFS CAWeb. Apparently we still can, so don't make this a big deal or maybe that will change!
4. For user type - select "borrower" from the drop down menu.
5. Fill in the highlighted fields with your info. Click on the "ZIP LOOKUP" button after you enter your zip code. This auto populates some other boxes, and registration won't work if you don't do this.
6. For the country code in the phone number section enter "1" for the United States.
7. Financial commitment ID is your Loan # - 10 digits.
8. If you don't have a landline, it has been reported that just entering your mobile number in both fields works. You will have to select 3 of their security questions, enter the Captcha image info, then hit "submit" at the bottom.

If it didn't like the info you have entered, it will give you an error message for what part it didn't like, and you will have to try again, which requires re-entering quite a bit of the information. It's a pain.
But if it takes it, you're in! There may be a verification step now as well.
Finding your loan on CAWeb

1. On the caweb homepage, login (if you aren't already), it will be personalized and show your name. You have to scroll down and check the "Agree to Terms" box when you are logging in.
2. Click on "Borrower" in the top left, then click on "Borrower Search". This should take you to your "Loan List" showing the loan #, borrower name, loan type, amount, and loan status.
3. PPP loans typically appear as "Active Un-Disbursed" - if your PPP is already funded don't worry about that. Your EIDL will show up as "Disbursed Current" if funds are on their way. It may say something else if you look immediately after you send back you Docs, but it should change pretty quickly. Logging out and back in again will sometimes refresh the status. Loan status will say "Active Un-Disbursed" until Treasury send the funds to your bank, then it changes to "Disbursed Current".

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• It depends on your bank when they post in your account (same day, next day, time).
• If your banking info didn't verify, the transaction will fail to go through, and the status will revert.
• If you are not funded within 3-4 banking days, there is likely a problem - check your info in your portal, call the SBA, and then email Cue if needed.
• If you click on your loan# in the list, it opens up a page with details about your loan.
• There's even a box at the bottom to check if you want electronic account statements only, but if you check that, a warning pops up about "all attached to this loan will be affected by this change", so we recommend not selecting that option just yet.

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December 11, 2020 Update

It's time for holiday festivities! In addition, there are big changes to Elite and Boss monsters in this update. There are also revisions to the Ice Magic and Deer skills. And, of course, various other things as well. Read on for more info.

Ri-Shin Celebration

The holidays are upon us! While Alharth doesn't celebrate Christmas, it does celebrate Ri-Shin Day, and New Years' Day. Townsfolk who are your Friends will offer you gifts when you speak with them. (Make sure to have your favorite combat skills active in case they give you a piece of randomly-generated gear!)
There's also a Ri-Shin festival waiting to happen in each city and township in the land, but they will need your help getting their trees assembled. Look for townsfolk in festive red Ri-Shin hats to get started.
This year, there's also a new way for the community to work together. This is an experiment -- we've never tried anything like this before. You'll receive an introductory quest for this part of the event after you've assembled a few Ri-Shin trees. (If you're a Druid, you'll be briefed immediately upon login.)

High-Level Elite/Boss Changes

As mentioned in the last patch's notes, we're working on making high-level combat take longer. This will eventually include both solo and group combat, but we're focusing on group combat right now. Some of the big-picture details are in flux a bit as we experiment and see what's going to work (e.g. "how many Elites is a tank supposed to be able to handle at once?" answer: "we're not sure yet").
We've been improving the "tanky skills" in preparation for these longer fights, but it's been hard to get good tanking data because most high-level Elite monsters simply haven't needed a tank: a group of players could blast them to death in seconds. So it's time to make Elites live longer and see what happens!
In this update, Elite/Boss monsters have a lot more health and armor, and Bosses deal less damage. We'll be watching your feedback (and our combat data logs) to try to figure out where to go from here. We may need to temporarily revert these changes, reduce them, increase them, or add more systems into the mix to address specific problems.
Bosses (but not Elites) also deal less base damage than before. The actual amount varies by boss-tier and the bosses' personal stats, so it's hard to generalize, but at level 80 an "average boss" deals about 25% less base damage.
Both Elites and Bosses deal less damage with their Rage attacks, also. The median reduction in rage-bonus-damage is about a 40%, but again it's hard to generalize too much.
Here's some more details about the implementation.

• Prior to level 35, elites/bosses have about the same overall health+armor, but some of their health has been switched to armor as a side-effect of the formulaic changes. This will make them a bit harder, so be careful!
• Starting at about level 35, elites/bosses gain more health and armor than before. This increases fairly gradually until level 50, then it starts going up more quickly. By level 80, the total health+armor of most elites and bosses has almost doubled! (And a lot of that increase is in armor, which means the monster has more mitigation for longer.)

Elite/Boss Loot Changes

We've also added some additional rewards for killing Elites/Bosses. When you loot an Elite, you'll now automatically "find some Councils" on the corpse. The amount is based on the monster's level, with some random variance. Bosses also drop extra money in the form of Council Coinpurses. (And bosses with curses drop more money sacks.) Finally, the most deadly tiers of bosses have a higher chance to drop high-rarity gear.
(These quick generalized changes were made because we didn't want to revise every monster's custom loot table just yet. But hey, maybe it's fun enough to remain permanent. Let us know what you think after you've had some time to try it out.)

Ice Magic Changes

Ice Magic is supposed to be a versatile wizarding toolkit: it can provide exceptional crowd control, potent survival tools, and decent damage, depending on which abilities you use. Its crowd-control abilities were already top-tier, so we've focused on other aspects of the skill in this update. There's a few nerfs and a lot of buffs.
Fire Magic Over-synergy
The biggest nerf to Ice Magic is actually a change to a Fire Magic treasure mod:

• (Chest, Hands) "Calefaction causes target to take +45% damage from Cold for 12 seconds" => now +16% damage

We realized this mod was overpowered shortly after it was introduced, but it was a "let's wait and see if this is actually a serious problem" scenario. A lot of accidentally-overpowered treasure turns out to be fine, and sometimes an accident like that can really make everything "click" and help define a skill. But not this time. It was hamstringing our ability to make Ice Magic more powerful on its own, so it had to be reduced to a more reasonable level. (And it's still probably the most powerful cross-skill synergy mod in the game.)
Cryogenic Freeze
Cryogenic Freeze needs to take its rightful place in the Ice Magic survival toolbox. It has TREMENDOUS mitigation, and it's intended to be something of a "freebie" for Ice Mages: it's useful without needing to invest lots of treasure mods into it. The only cost is that you have to make room for it on your ability bar. (And treasure makes it more versatile and useful.) Of course, Cryogenic Freeze has the extreme down-side that you are completely frozen and cannot move. But now instead of a forced 10-second lockdown, you can control the duration precisely.

• Cryogenic Freeze now lasts 20 seconds or until dispelled by using the ability again. The reuse timer is 20 seconds, which begins as soon as Cryogenic Freeze ends.
• Power cost increased; all treasure effects recalculated in potency

Ice Armor, Ice Veins, and Shardblast
Ice Armor has been buffed up a bit. We've also worked to make Ice Veins and Shardblast more useful. You can now use either one to reset Ice Armor's timer, allowing you to immediately put your armor back on. Which, in turn, allows you to take advantage of Ice Armor's healing mods again!
This "Ice Armor loop" technique can be very powerful but requires a lot of treasure mods to reach full potential. It's also possible to use Ice Armor in a more passive role, and there are mods to support that style also (such as the ones that boost Cold damage).

• Ice Armor: highest tier of ability has slightly higher mitigation (+27 vs crushing, slashing, piercing, and ice), and all tiers now grant extra mitigation from Elites (+54 additional at highest tier)
• Ice Veins: power cost and base damage increased. All treasure potency recalculated
• "Ice Armor restores 80 Power over 30 seconds" => "Ice Armor costs -19 Power and restores 51 Power after a 6-second delay"
• "Ice Armor restores 170 Armor over 30 seconds" => "Ice Armor mitigates +16 Physical and Cold damage, and mitigates +32 more against Elite attacks"
• "Ice Armor boosts Cold attack damage +34" => +50
• "You regain 44 Health when using Ice Nova or Shardblast" => "Ice Nova and Shardblast deal +61 damage and cost -12 Power"
• New treasure (off-hand): "Ice Veins heals +16 Health and resets the timer on Ice Armor (so it can be used again immediately)"
• "Ice Veins heals 120 Health over 10 seconds" => 180 health over 10 seconds
• Ice Veins is now marked as a Minor Heal ability (making it eligible for equipment that boosts Minor Heals).
• New treasure (head): "Ice Armor instantly restores 80 health"
• "Shardblast resets the timer on Ice Armor (so it can be used again immediately)" => "Shardblast deals +X% damage and resets the timer on Ice Armor (so it can be used again immediately)" *

Cold Sphere Changes
Cold Sphere's old Rage attack (at high level) was a 10-second root. This was too much of a good thing and it's now a 5-second root at all levels.
We've tried to make Cold Sphere useful in two different scenarios: for Ice Mages who are using a different skill as their primary damage source, they can invest in Cold Sphere mods to get a bit of extra damage on the side (plus its innate root is always handy).
For players who ARE using Ice Magic as their primary damage-dealer, Cold Sphere's damage-boosting mods are often not worth using, but there's a new mod that gives it a Cold-vulnerability debuff. This makes Cold Sphere an interesting (but not mandatory) option for any Ice Mage.

• Cold Sphere: increased base damage-boost of all pets level 50+. The "root" effect from their rage attack is reduced from 10sec (!) to 5sec
• "Your Cold Sphere's attacks deal +34 damage and taunt -65%" => "Your Cold Sphere's attacks deal +50% damage and taunt -25%"
• "Your Cold Sphere gains 156 Armor" => "Your Cold Sphere gains 90 Health"
• New treasure (chest): "Your Cold Sphere's attacks deal +24 damage and cause the targets to suffer +12% damage from future Cold attacks (non-stacking)"
• New treasure (head, hands): "Your Cold Sphere's attacks deals +170 damage, but their Max Health is -80"

Other Ice Magic Changes
Added a bit more damage overall. Nerfed one of Frostbite's mods, but don't be misled: it's still an extraordinarily good debuff. (And it will only become more powerful as combat duration increases! In fact, we may need to tone it down some more later.)

• Ice Nova: power cost and base damage increased. All treasure potency recalculated
• Frostbite ability: ability base damage increased slightly
• "Blizzard deals 328 armor damage and generates -120 Rage" => "Blizzard Damage +255"
• "Frostbite deals +154 damage and raises the target's Max Rage by 79%, preventing them from using their Rage attacks as often" => "Frostbite deals +176 damage and raises the target's Max Rage by 33%, preventing them from using their Rage attacks as often"
• "Freeze Solid resets the timer on Ice Spear (so it can be used again immediately)" => "Ice Nova deals +110 damage and reuse timer is -2 seconds" *
• "Freeze Solid restores 161 armor to you after a 15 second delay" => "Freeze Solid restores 112 armor to you"

One-Tier Mods Changed\*
You may notice a couple of asterisks above. Those are treasure mods that previously only had one "tier" of effect. The revised versions add more tiers to each mod, allowing the mods to become slightly more powerful at high level. This resulted in a slight quirk: pre-existing items with these mods are still stored as having the first tier of the mod. This means even high-level items will have the lowest-tier version of these mods.
This isn't really a huge deal in terms of potency, but if you want to fix it, you can Transmute the mod off the item and then Transmute it back on -- it will be the appropriate tier when it's re-added. (And this month, Transmutation is cheap for the Ice Magic and Deer skills.)

Deer Changes

The earliest animal forms were all experimental designs, and Deer was originally the prototypical "off-tank" skill. Then we decided that off-tanks weren't useful in a game without raids, so Deer was revised in a few other directions. But the most recent revision made Deer fairly tanky again, so let's build on that. Here's a fresh idea: what if Deer was like an "off-tank"?
In old-school MMO terminology, an off-tank can act as a tank for an elite enemy (or multiple solo enemies), but may have trouble tanking some bosses -- although dedicated healers can help there. What makes them unique, though, is an ability to take over aggro for anyone... including a tank! (Hence the name "off-tank", because they can pull monsters off the tank.)
We'll try to give Deer that ability and see what it's like. There's new treasure that gives you a new sidebar ability "Feign Injury", which "temp taunts" a target. Temp taunting works like regular taunting, except it decays at a rate of 20% per second. So a temp taunt of +10,000 would be 10,000 Taunt at first, then a second later would be recalculated as 8,000, then a second later as 6,400, etc. So this ability should help Deer get aggro from anyone, anywhere... at least for a few seconds.
An off-tank should also have solid taunting and survivability, and deal decent damage. So that's what we'll try to do here. In addition, the Deer skill has always had incredible mobility (which is what makes them an interesting off-tank), and we want to keep that too.
Rethinking Deer Pet
Deer players can summon an ally deer to aid them. Previously these deer had an innate 300% taunt multiplier and were intended to be sort-of off-tanks themselves, sharing tanking duties with the player deer. We recently gave these summoned deer the benefits of our experimental genetics system, which could randomly give these pets incredible health and armor. Better for tanking! But yet... at high level, a well-equipped player deer can easily out-taunt and out-tank a pet deer. This just feels like an unwieldy design.
We've dropped the idea that these pets are tanks, and focused them on damage. They no longer have an innate taunt bonus or souped-up genetics. However, they have higher base damage, and the pet's taunting-related treasure effects have been changed into a damage boost.
There are also new treasure mods that summon additional deer for a few seconds at a time. This makes for a fun solo build, although it's somewhat mod-intensive and also pretty chaotic. But a fun kind of chaotic! (For those who don't want chaos, we've also bumped up Deer's more traditional murder methods.)
It's useful to know that every attack your pet deer makes is considered a "deer kick". This is relevant for one specific treasure mod:

• (Hands, Necklace) "Deer Kick implants insect eggs in the target. Future Deer Kicks by any deer cause target to take 310 Nature damage over 5 seconds"

This mod is unchanged, except that it no longer stacks more than four times: twice for each piece of equipment it can show up on. (That's *not* a limit of 4 stacks of damage, it's 4 stacks of the debuff that applies the damage!) Also, we've reworded the effect to clarify that pet deer can trigger the damage.
Removed treasure mods
We've tried hard to avoid breaking existing equipment by repurposing obsolete Deer effects with new ones. However, in one place this was impossible. A head-slot mod was removed without any replacement. If you had this mod on a piece of head gear, that item has become "Legacy", meaning it will stop working after a month. You can fix this by using a Transmutation table to remove the mod off of your helm, or you can speak to the Legacy Golem in Serbule to receive a randomly-generated replacement item. (Transmutation of Deer treasure is much cheaper this month, to help you adjust to these changes.)
Specific Deer Changes

• Doe Eyes: Power cost increased. Ability now resists more physical damage, especially against Elites, and lasts for 24 seconds instead of 10. (At level 77 it now gives 36 mitigation, plus 72 more vs. Elites)
• "After using Doe Eyes, your next attack deals +169 damage" => "Doe Eyes reuse timer is -2 seconds, and after using Doe Eyes your next attack deals +190 damage"
• "Doe Eyes restores 95 armor" => "Doe Eyes mitigates +16 physical damage (Crushing, Slashing, Piercing) for 26 seconds. Against Elite enemies, mitigates +32 more"
• "Doe Eyes heals 80 health" => "For 10 seconds after using Doe Eyes, you mitigate +36 from all attacks, and a further +72 from Elite attacks"
• Ability "King of the Forest": base damage and Power cost increased slightly; all treasure stats tweaked slightly as a result
• "King of the Forest gives you +15 mitigation of any physical damage for 20 seconds" => this effect was available on two slots, but only applied once. This was intentional at the time, but now we're trying to make all treasure mods stack together when possible. New (stacking) version: "King of the Forest mitigates +14 physical damage (Crushing, Slashing, Piercing) for 10 seconds. Against Elite enemies, mitigates +28 more"
• "Cuteness Overload heals you for 114 health" => "Cuteness Overload Damage +270"
• "Combo: Deer Bash+Any Melee+Any Melee+Deer Kick: final step hits all enemies within 5 meters and deals +100 damage." => deals +240 damage
• Summoned Deer no longer have the benefits of the experimental genetics system, but have higher base damage
• Summoned Deer no longer have an innate 300% taunt bonus
• Summoned Deer can randomly be male or female
• "Summoned Deer Taunt +X%" => "Summoned Deer Rage Attack Damage +Y"
• "Antler Slash has a 50% chance to restore 48 armor" => this effect has been replaced with an entirely unrelated effect. (head, chest): "You can use the Deer ability Feign Injury, and it temp-taunts +11300. (Equipping this item will teach you the ability if needed.)"
• (Hands, Feet) "Deer Bash deals +120 damage and knocks the enemy backwards" => "Deer Bash has a 15% chance to summon a deer ally for 30 seconds"
• New (ring): "Cuteness Overload deals +160 damage and knocks the target backwards"
• New (Head, Necklace): "Pummeling Hooves deals +45 damage and has a 8% chance to summon a deer ally for 30 seconds"
• "Antler Slash deals +X% damage" => "Antler Slash hits all enemies within 5 meters and taunts +Y". NOTE: this effect used to be available on two slots, Head and Hands. It is now only on Hands. See above about Legacy items.
• "Psychic Mitigation +34 while Deer skill active" => "Psychic and Nature Mitigation +34 while Deer skill active"
• "Nature Mitigation +34 while Deer skill active" => "Burst Evasion +8.5% while Deer skill active"
• "Deer Kick Damage +85" => "Deer Kick Damage +45 and grants you -10% Fire Vulnerability for 10 seconds"
• New: (main-hand) "Combo: Forest Challenge+Any Melee+Any Melee+Any Epic Attack: final step deals +150 damage and summons a deer ally for 30 seconds."

Live Event Token Prize Changes

We've revised some of Riston's special prizes so that they use abilities instead of items. For those that have already purchased a Vendor Fox in a Box or the Small Box of Space, the summoning item in your inventory has been converted to a skill book that will teach you the new ability. This skill book can only be used once, so use caution if you must transfer this skill book to another character on your account. Also with this change, you will have to purchase these items per character now if you wish to have it on more than one character on your account.
Other important notes:

• Once you learn the Vendor Fox in a Box ability, the ability requires you to have some type of crate in your inventory. Any crafted storage crate and most pet crates (when Animal Husbandry is released) will work to allow use of the ability. The crate will not be consumed. The cool down timer on the ability will reset in 2 real-time hours, but you still need to spend 2 hours in-game before you can use the ability again. (You can see that timer in your effects bar under the effect 'Boxed Fox'.)
• Once you learn the Small Box of Space ability, there are no other requirements. Just use the ability to summon your storage box. The cool down timer for this ability has been extended to 90 minutes (from 60 minutes). The cool down timer on the ability will reset in 90 real-time minutes, but you still need to spend 90 minutes in-game before you can use the ability again. (You can see that timer in your effects bar under the effect 'Spaced Out'.)

As time goes by, we will slowly be adding more and more items, abilities and services to the game that will require Live Event Tokens. For this update, we have added a new 50 token prize! Find Riston in the Red Wing Casino to check it out!

Other Changes In This Update

• Bug fix: Rabbit: "Bun-Fu Blast deals +80 damage and restores 44 Power after a 9-second delay" => this did not add damage to Bun-Fu Blast as expected
• Bug fix: Rabbit: "Bun-Fu Blast deals +78 damage and hastens the current reuse timer of Bun-Fu Strike by 3 seconds" => this did not add damage to Bun-Fu Blast as expected
• Rabbit: added Astounding Familiar Controllers (level 80 ice magic tiara) to loot
• Flight in-combat: the Power penalty for flying while in combat now has a much higher cap (meaning flying while in-combat for more than a few seconds costs more Power than before)
• Added a "quit" button to the login and character-select screens
• Fixed AI bug that caused monsters to hate the first attack that hit them more than intended
• "Carbon-form Scrutinizer Array" only gave a +5 pathology bonus instead of intended +10 bonus
• The visual appearance for Winter Court Murder Armor (level 80 Hardcore armor) did not glow as intended
• "Rubgag's Dancing Shoes": sprint buff now only works out of combat
• Worked around Unity shader bug that could cause treants to turn into nightmarish blobs of polygons
• Fixed bugs that caused "corpse stink" particles to continue emitting after the corpse was closed

Welcome all,
Let me tell you a story about a project that has some of the best fundamentals in this crypto space with very little recognition.
The project we will discuss today is Metrix Coin

History of Innovative Product Development

Metrixcoin’s head developer is David Grunge who, with a team of developers, created mystakingwallet (MSW).
Mystakingwallet was the very first mobile staking wallet and it was also the first to be available on the Google Play and Apple stores for purchase. It allows people to stake and perform coin control straight from their mobile devices. MSW is non-custodial and users are the only ones with access to their wallet’s private keys as they are all hosted on virtual private servers. Additionally, the app allows users to turn their mobile devices into masternode-ready devices with the click of a button, simplifying the process of masternode creation and making it more accessible to people. They went on to create partnerships with over a dozen other projects that harbor staking and masternode capabilities to take advantage of the one-click, turnkey masternode solutions.

Grudge Match Gaming (GMG)

GMG is an online gaming platform where users can compete against one another for Metrixcoin (MRX). There are no online gaming platforms that I am aware of that allow people to wager cryptocurrency on who is playing the game and also bet in a match against other players. It features many of the top games, and will continue to add new releases as they come out. Competitive Esports is a rapidly growing industry and has the potential, with the right execution, to become very popular. Whilst GMG is currently in beta testing phase, the team is currently working on a new partnership with BA Consult as outlined below.

Partnership with BA Consult

Metrix has recently partnered with BA Consult, an IT and systems integration company using their Cashinow machines. Their core business is automated payment management systems and are operating nationally throughout Italy. Some of their customers include casinos, large retailers, public transit systems like Trenitalia, and much more.
BA Consult is looking to implement blockchain as a scalable solution for their business clients. They have selected Metrixcoin. The current plan is to use API integration to allow clients to market buy and sell Metrixcoin when needed. Customers and players will be rewarded for using Metrixcoin instead of Euros with each application.
The proposed plan is that consumers (i.e. people in the grocery store buying milk) will provide payments as either cash or credit card for purchase and will have the option to pay using conventional methods of payment or MRX. If they choose to pay with MRX, they participate in a Loyalty Program where they may either benefit from reward points or a discount. The grocery store may then choose to hold their MRX in a wallet, or may choose to sell at market price instantly through the payment system. Clients that hold Metrixcoin may benefit from staking rewards at 10% interest annually, and other perks that have not been released to the public yet.
Another example would be at the casino - using MRX instead of Euros would lead to reward points similar to existing reward structures for casino players. Alternatively, they may offer 5 bonus games for free or vouchers if they select MRX for payment. The players do not need to have any existing knowledge of cryptocurrency. Everything is handled by BA Consult and their business clients.

Upcoming Hard Fork

For all of this to become a reality, Metrix has an upcoming hard fork which will decrease staking rewards significantly (down to 10% initially) and will also allow for Governance. A Governor must hold 7.5 M of MRX to have voting privileges. Essentially, anyone can submit a proposal to the Governors for a fee, and the Governors will vote to determine whether or not a proposal would pass.
The new chain will also facilitate up to 10,000 transactions per second, and will have extremely low fees (roughly 2 MRX per standard transaction) which, in today’s prices, is roughly 0.000512 USD. It also features both UTXO and EVM functionality which gives Metrixcoin more flexibility to be able to create smart-contracts and deploy dApps or MRC20 tokens.
The team has already started development on ledger apps and chrome extensions to facilitate holding MRX on hardware wallets. They are also looking to implement offline staking which would require delegation of coins to an online node. Users could delegate and get rewards without needing to be active on the network and be accomplished in a secure way.
This Medium post outlines some of the changes (there have been some further changes to specific numbers, but this summarizes the main points very well) - https://medium.com/@Metrix/metrix-2020-new-direction-7ef7d2e9932b

Recent Increased Activity and Renewed Enthusiasm

Recently, Metrix has seen a significant increase in activity and enthusiasm surrounding the project. With the addition of Trent now on-board & in charge of business development & partnerships, things have been moving quickly and the project has been gaining traction on its current exchanges. (with up to 4 more planned to list Metrixcoin). With this new exciting partnership, Metrix will have a significant use case and a strong potential for exponential growth and adoption.
Thank you for taking the time to review the background about this project, please leave your comments below!
Coin Statistics
Price - $0.000256 (2.5 sats) Market Cap - $4,478,953 USD Supply - 17,521,976,984 / 30,000,000,000 Current ROI - 50% (New chain 10%) Discord - 3,486 members Twitter - 16.6k follower Block Time - 90 Seconds (current)
Sources
https://www.metrixcoin.com/ https://twitter.com/MetrixCoin https://mystakingwallet.com/ discord.gg/xvRDGcz https://coinmarketcap.com/currencies/metrix-coin/ https://github.com/TheLindaProjectInc/Metrix https://grudgematchgaming.com/account/login https://twitter.com/BAconsultsrl https://twitter.com/SecurSafehttps://bitcointalk.org/index.php?topic=5096898.0
Exchanges
https://version2.altilly.com/market/MRX_BTC https://crex24.com/exchange/MRX-BTC