Have you guys look at your arrears, and the loans that represent them, and how much of a $ this is of your overall portfolio and the value of it?

ie the % of your portfolio at risk? - obviously most of these loans in arrears will get back on track, but some will blow up into full defaults.

My % has been going up and up over time (I guess this is expected?) I am 11 months in now and its doubled in the last 5 months (from 3.5% to 7%), representing about $7k of loans. It is a concern because I am guessing its a lead indicator of defaults...

For anyone that has a mature portfolio, what does this % look like?