# Surplus Buffer The surplus buffer is a shared reserve for the protocol which is used to absorb any [bad debt](/introduction/key-concepts/bad-debt.md) prior to gToken values being marked down. A portion of interest paid by borrowers accrues to the surplus buffer, currently 5%. This ratio can be adjusted by governance. The surplus buffer is on a per-market basis, so gWETH, gUSDC, etc each have their own surplus buffer. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://credit-guild.gitbook.io/introduction/key-concepts/surplus-buffer.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.