Starting today, the option to reschedule loan repayments no longer allows borrowers to completely cease making payments. Instead, borrowers who reschedule loan repayments must continue to pay at least a small amount each month in order to maintain a high on-time repayment score. We made this change thanks to a suggestion from Sverre and other lenders, who observed that maintaining the regularity of even small payments improves credit risk, and in response to our own experience with the performance of rescheduled loans. Up until now, we had allowed two options for rescheduling repayments: A grace period of one or two months, during which time no payments would be due, but after which monthly installments would resume in the same amounts as before. This was intended for temporary interruptions in cash flow. A modification of the monthly installment amounts with no grace period. This was intended for more long-term changes in ability to pay. Going forward, only the second option will remain. Members who face a temporary disruption in income may still reduce monthly installments temporarily. They may reschedule again to increase monthly installment amounts once they are able. In order to accommodate this, we have lifted the limitation on the number of times borrowers may reschedule repayments. We will observe how this change affects loan performance, and continue to improve the rescheduling option based on experience and our members' suggestions.