Does not count existing loans prior to, or on April 30.

The total negative balance must sum to at least -10000 mana, excluding loan repayments for loans made prior to the April 30 changes. I will exclude payouts made as a result of sales of shares bought prior to the changes.

Things that would count: N/A backed p2p loans causing a user to massively lose mana

Defaulting under a new loan system that has lower default risk.

Defaulting on the new alternate currency that is convertible to mana

Market-breaking bug

Managramming to a negative amount

Things that would not count:

Major manadupe exploits

You are allowed to use either your anonymous alt, or your public alt.