Loan Shark is new. We are all learning how to use it, along with what the true risk inherent in lending is like. Amber was/is a very well-known regular, exactly the kind of member that one might make an exception for lending through the market. However, after this, I think we have all learned that nobody has perfect credit, there is always risk involved with any investment, and lending through the market merits true gangster/mafia like interest rates. I will no longer lend through the market at all, and if you do, you should charge in the 50%-100% range.