5 charged off out of 262 repaid. Months in for them were 16, 29, 13, 13, 13 - the last one I have been expecting to charge off for 3 months and no payments in that time. Much the same as Cool Bear's portfolio in terms of time in versus losses. I don't worry about losses as it is part of the game, but I do wonder about Harmoney's performance in chasing bad loans - there is no reporting to investors on any audit of their processes and for all we know they could just not bother at all.