GIP-39: Should "Borrower Pool Improvements" proposal be approved?

The Warbler Team proposes making three key improvements to the Borrower Pool smart contracts.

1. Which pools it affects: This will only affect net new pools from January 2023 onwards. There will be NO changes to any existing pools.

2. Risk Management: The combination of these measures should help the Goldfinch community materially manage risk. More specifically:

1. Credit Risk: Principal Amortization will allow, but not oblige, pools to be stood up allowing Borrowers to distribute their principal payments over time (e.g. monthly, quarterly, half-yearly), vs waiting to make a single lump sum payment (i.e. very high risk event).
2. Operational Risk: Daily Interest Accrual + Calendar Based Payment Schedules will make it easier for Borrowers to understand and more systematically track/manage their payment obligations, potentially reducing interest and principal payment issues due to operational confusion.

Proposal discussion: https://gov.goldfinch.finance/t/gip-39-borrower-pool-improvements/1400

YES - means implement all the features outlined in this proposal NO - means do not mplement the features outlined in this proposal