Your charge off rates sound a lot more like mine. I have 3655 "Notes at a Glance", 257 "Fully Paid", and 218 "Not Current Notes", which includes 74 "Charge-Offs", 56 in "Grace Period", 18 "Late 16-30 Days", 70 Late "31-120 Days". My not current notes as a percentage of all notes makes my charge off percentage 5.96%.

Of course, not all of the notes that are late and those in the grace period will charge off, but a fair amount will. The average age of my portfolio is 10.3 months. My weighted average interest rate is 16.30%, and my ANAR is 11.63%.