    // If borrower is reducing the interest rate, increase the reserve
    // ratio for the next two weeks.
    if (annualInterestBips < WildcatMarket(market).annualInterestBips()) {
      TemporaryReserveRatio storage tmp = temporaryExcessReserveRatio[market];

      if (tmp.expiry == 0) {
        tmp.reserveRatioBips = uint128(WildcatMarket(market).reserveRatioBips());

        // Require 90% liquidity coverage for the next 2 weeks
        WildcatMarket(market).setReserveRatioBips(9000);
      }

      tmp.expiry = uint128(block.timestamp + 2 weeks);
    }
uint16 constant MaximumReserveRatioBips = 10_000;
    // If borrower is reducing the interest rate, increase the reserve
    // ratio for the next two weeks.
-   if (annualInterestBips < WildcatMarket(market).annualInterestBips()) {
+   if (annualInterestBips < WildcatMarket(market).annualInterestBips() && WildcatMarket(market).reserveRatioBips() < 9000) {
      TemporaryReserveRatio storage tmp = temporaryExcessReserveRatio[market];

      if (tmp.expiry == 0) {
        tmp.reserveRatioBips = uint128(WildcatMarket(market).reserveRatioBips());

        // Require 90% liquidity coverage for the next 2 weeks
        WildcatMarket(market).setReserveRatioBips(9000);
      }

      tmp.expiry = uint128(block.timestamp + 2 weeks);
    }
