A quick explanation of why E/HR Curves are higher than the ongoing curves — the Feb/07 recast of the HR/E bands by cutting the bottom off of HR (below 520) and re-banding E.
The curves will adjust as cohorts containing post Feb/07 originations roll through the curves. For now that means only periods 1, 2, 3, and partially 4 have any originations post recast. Clearly we should continue to keep an eye on the curves, but I for one will not be in any E/HR for the foreseeable future as the E/HR curves look SCARY!
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