<transcript><audio_28>easy to derive a zero percent default rate just don't lose lend money out right so you can over optimize the model to where you reduce the profitability of the portfolio so while we were doing this we were measuring how much profit</transcript><transcript><audio_29>was derived from the portfolio and what we discovered was seven point eight percent FPD is over optimized because it dueces the yield on the portfolio nine percent in their particular cases the sweet spot but you now have the</transcript><transcript><audio_30>mathematical levers to simply say we're just going to go you know from seven point eight to nine and lock in nine and that's transformative to the business and we just ran like that locked in at</transcript> easy to derive a zero percent default rate just don't lose lend money out right so you can over optimize the model to where you reduce the profitability of the portfolio so while we were doing this we were measuring how much profit was derived from the portfolio and what we discovered was seven point eight percent FPD is over optimized because it dueces the yield on the portfolio nine percent in their particular cases the sweet spot but you now have the mathematical levers to simply say we're just going to go you know from seven point eight to nine and lock in nine and that's transformative to the business and we just ran like that locked in at
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