PSA - if you're Lending on the Poloniex platform, have enough respect for your cryptocurrency to loan it out at a decent rate. Driving the rate down to 0.0001% is no help to you or your fellow lenders. I ask this of the Lenders - when offering a loan enter the next highest rate, instead of the lowest. It might take a little extra time for it to go out, but it will be worth more in the long run.
My $.02 ;)