I really don't see why the likes of Bob etc are getting so worked up about this...
As someone that took 2 of the offending loans I'm aware of the penalty being imposed, and TBH it doesn't take a genius to figure out we all got off quite lightly.
That said, I see that myself along with the other players who took out such loans were well within their rights to do so. The select security assets page clearly detailed that such a practice was allowed, so I do not see myself as "cheating". Im happy to accept the penalty for the use of this practice, with the interest margin on my loans now being ~15% (*yayyyyyyyyyyyyyyyyyy*
) however wish that Sami had have gotten back to our alliances numerous PMs sooner so I didnt do it in the first place
The important thing to look at now is that everyone is back on a level playing field, regardless of the past, and we should all accept Samis judgement and move on.
Again, my 2 cents.