The refinance() function can be called by the borrower, even while the auction is going on.
There is no restriction in the refinance() function, to be not called while the auction is live for the same loan.
1.The borrower can choose the new pool, even when the auction has started, which affects the fairness of the Dutch auction.
2. At the end of the auction, the borrower can save the loan from being seized, by picking a pool, even when no pool is interested to participate in the auction.
Manual review
in refinance() function, error should be reverted if the auction is live.
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