4.28.1 (2020-02-22) New Features borrow: start out disabled (0845b74) user can only close an open loan (14fcd58) implement tier 2 check (53bc1fc) Bug Fixes borrow: if tier 2 in review disable upgrade button (5dc3e06) loan response fix (fd97719) better user data loading handler (31a1ecc) if loan is in closed state dont show end borrow button (9520f91) mobile: balance arrow (e7ca274)