A Borrower deposits collateral, automatically creating a new Vault. \itemBased on the Vault's collateral balance, a Borrower can borrow up to a certain amount of PAR. The Vault must be collateralized with more than a Minimum Collateralization Ratio (MCR) for borrowing. For example, an MCR of 150% means borrowers need 150% collateral deposited before they can borrow.