function maxWithdraw(address owner) public view override returns (uint256) {
    uint256 shares = balanceOf(owner);

    // Calculate assets based on a user's % ownership of vault shares
    uint256 assets = convertToAssets(shares);

    uint256 _totalSupply = totalSupply;

    // Calculate a penalty - zero if user is the last to withdraw
    uint256 penalty = (_totalSupply == 0 || _totalSupply - shares == 0)
        ? 0
        : assets.mulDivDown(withdrawalPenalty, FEE_DENOMINATOR);

    // Redeemable amount is the post-penalty amount
    return assets - penalty;
}
