As the Graal bank has no purpose right now, I say we give it a purpose. You could say "withdraw 10000" or "deposit 10000" for gralats anywhere in the bank with the right funds. If you keep say atleast 5000 in the bank at all times for a month, and say you have 10000 gralats but need 2.5k for that worthless piece of **** hat you want to buy, you can take a loan of 2.5k, but then your gralats show up as negative. Every time you get gralats the number gets closer to 0 but you cannot buy anything. SO essentially, whatever your bank keeps in a month from the lowest amount you can take a loan of half that amount so 10k of gralats in the bank for a month, you can take up to a 5k loan by saying "loan 5000" Another thing you could do is for a set amount of time, you can have interest on your gralats, with an early termination fee of withdrawing the gralats of 10%. Since most of our stupid preteen playerbase can't wait for 5 minutes for that spiffy new piece of **** hat and like the idea of interest of 10% for every 3 months, they would pay the termination fee for that ****ty hat. This ensures that smart players make money (3-6% of our database) and that our dumb***es (94-97%) buy more gralats packs to get out of their debt or for that early termination fee. Thanks for reading frieeeeeends.