Cluny's hut

[Scorpion]

What happens with the cash in Cluny's hut?

Once cash is stored in savings (or after market sale) it seems to send it back to the regular account when something occurs in the empire, either under attack or when Networth drops? And how is this calculated?
Can someone please shine some light upon this?

[windhound]

Cluny's is proportional to your networth - 
Max loan is your networth * 5   
Max stored is: 1800000 * networth * (1 + # of markets / land) / (sqrt(500000000 + networth))) - 1   
.....I did not write that, heh

If you lose networth to the point you have more loaned out than the max you can't take any extra out, but your existing loan stands (and is paid off, with interest, every turn you use).   
If you lose networth to the point you have more stored than the max allowed the extra cash will be added back to your available at a rate of 3% per turn cycle.  This was added to combat market theft (buy out someone's marketed goods, then steal the cash back;  brutal for indies who were using the market without much leader defense).