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GITBOOK-526: change request with no subject merged in GitBook
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jorgelinae authored and gitbook-bot committed Feb 21, 2024
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Expand Up @@ -213,7 +213,7 @@ The Total Available value displayed in the web app is the sum of the variable an

### What does Total Utilization refer to?

Total Utilization is the total utilization of the variable and fixed pool. Up to 90% can be lent out given the current reserve factor of [10%](https://docs.exact.ly/guides/parameters#a.-reserve-factor). 
Total Utilization is the total utilization of the variable and fixed pool. Up to 90% can be lent out given the current reserve factor of [5%](https://docs.exact.ly/guides/parameters#a.-reserve-factor). 

### Why is the web app not available for US Persons?

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