[AndyYSCISOdept]

They go out off business because of who they target with their money and are under funded, they don't test the waters but instead take on huge debt and jump into the deep end with the "big boys" and if they have a bad string of deals it makes it improbable that they can recover. But I am sticking by my number of 15% of True default rate being the absolute max you can handle and be profitable. However, I am in no way saying that should be the goal.

[Michael I]

i agree with the 15% on the 1.45 deals . i was talking about the 20-25% and still make a profit , you are living in lala land .

[AndyYSCISOdept]

i agree with the 15% on the 1.45 deals . i was talking about the 20-25% and still make a profit , you are living in lala land .

Agreed.