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Tiff discusses her dissatisfaction with the Nova Wolf-sponsored Celsius plan, specifically focusing on the treatment of earned creditors. She notes that creditors with claims under $5,000 fall into a "convenience class," which will cover over 85% of Celsius customers. Those in this class will receive a one-time distribution of liquid crypto, including Bitcoin, Ethereum, and USDC, with an estimated recovery of about 70% of their claims. However, for creditors with claims larger than $5,000, classified as General earned creditors, the distribution will be based on a pro-rata share, implying less favorable terms. Tiff plans to make a future video focusing on loans and custody.