In addition to the current Harmoney-supplied RAR, based only on the value of your notes invested. Wouldn't it be useful & more realistic also to get a figure based on: 1. Your total investment in the Harmoney system, including amount not actually invested in notes 2. A net return after deducting your marginal tax rate (levied on gross interest) in addition to deductions for the charge-offs and service fees. The net return could then be grossed up using your marginal tax rate and making allowances for which if any of the service fees and charge-offs are deductible for their tax circumstances.