uint collateralValue = getCollateralValueInternal(user);
    function getCollateralValueInternal(address user) internal returns (uint) {
        IEscrow escrow = predictEscrow(user);
        uint collateralBalance = escrow.balance();
        return collateralBalance * oracle.getPrice(address(collateral), collateralFactorBps) / 1 ether; 
 require(collateralValue >= debts[user], "Exceeded collateral value");
