I was just using your numbers and assumptions from your previous post.
Harmony has a graph which you can use to predict defaults - most defaults acording to them happen near the 3 month point and then tail downward
its at the bottom of this page
https://www.harmoney.co.nz/investors/investment-risks
called the hazard curve down the bottom.
Which maps to the below array values - which you can use in your spreadsheet.
2.00, 2.30, 4.00, 5.00, 5.80, 5.70, 5.60, 6.00, 5.70, 5.20, 5.80, 5.00, 4.70, 4.00, 3.60, 3.15, 3.00, 2.70, 2.10, 2.15, 2.00, 1.90, 1.60, 1.40, 1.60, 1.00, 1.20, 1.00, 0.90, 0.80, 0.60, 0.55, 0.50, 0.50, 0.60, 0.15, 0.05, 0.05, 0.05, 0.05, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00
Cheers