```\n            (collateralBalance, currentFees) = _calculateCollateralBalance(\n                borrowing.borrowedAmount,\n                borrowing.accLoanRatePerSeconds,\n                borrowing.dailyRateCollateralBalance,\n                accLoanRatePerSeconds\n            );\n            // rest of code\n            if (collateralBalance > 0) {\n                // rest of code\n            } else {\n                currentFees = borrowing.dailyRateCollateralBalance; //entire collateral amount\n            }\n            // rest of code\n            borrowing.feesOwed += _pickUpPlatformFees(borrowing.holdToken, currentFees);\n```\n