Governed versus finalized

In Euler's governance suite, which delay protects you from a governor changing a vault setting such as the interest fee?

• None, because governors act at once
• The wildcard timelock, 1 day by default
• The admin timelock, 3 days by default

Which role could change your vault's rate model with no notice at all?

• The governor, through the wildcard timelock
• The guardian
• A risk steward, swapping in a model from Euler's factory