# Terms **Uncollateralized Lending** Type of lending where there's no collateral used to back the loan, but instead, other mechanisms are used to secure the loan. **LODA Token** Token that can be staked into the Insurance Liquidity Pool (ILP) to mint Lodestar. **LODESTAR Token** Non-transferable governance token that can be used to vote for proposals to direct the governance of the DAO. They are minted by staking LODA into the ILP and can be burned to retrieve Loda from the ILP. **Cool-off Duration** Is the time it takes between intent to withdraw and actual withdrawal when investing in the ILP. Once the intention to withdraw has been made, you lose the ability to vote. **Maturity Date** The date when an investment becomes due and is repaid to the investor --- # 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://docs.lodacicero.finance/terms.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.