Unnecessary exponentiation in Lender.sol
incurs extra gas costs
10 ** 18
can be hardcoded to avoid spending gas on exponentiation (on lines 246, 384, and 618).
Each exponentiation costs 60 gas (see https://github.com/wolflo/evm-opcodes/blob/main/gas.md#a1-exp), so 180 gas is saved.
Change 10 ** 18
to 1e18
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