ALTER TABLE lending_templates
  ADD COLUMN IF NOT EXISTS wwn_margin_pct numeric(5, 2) NOT NULL DEFAULT '0.00',
  ADD COLUMN IF NOT EXISTS reserve_contribution_pct numeric(5, 2) NOT NULL DEFAULT '0.00';

ALTER TABLE lending_opportunities
  ADD COLUMN IF NOT EXISTS wwn_margin_pct numeric(5, 2) NOT NULL DEFAULT '0.00',
  ADD COLUMN IF NOT EXISTS reserve_contribution_pct numeric(5, 2) NOT NULL DEFAULT '0.00';

ALTER TABLE loan_applications
  ADD COLUMN IF NOT EXISTS wwn_margin_pct numeric(5, 2) NOT NULL DEFAULT '0.00',
  ADD COLUMN IF NOT EXISTS reserve_contribution_pct numeric(5, 2) NOT NULL DEFAULT '0.00';