Dear all, I'm glad to announce that the on-time repayment report has now been ported to the new website and is available to the public. It is accessible from the link "Want to dive deeper? You can see the individual loan reports that provided the data for these statistics here." at the bottom of the Statistics page. This report tracks the on-time repayment performance of loans issued, in cohorts segmented by date the loan was funded. Since most of the impact from changes in credit risk is seen in the loans that are subsequently issued, segmenting by date the loan was funded allows us to measure the improvement in credit risk at Zidisha over time. We track separately the on-time repayment performance of the first installment, because this is a fairly good predictor of the performance of the remaining installments, it provides a common measure across cohorts of loans disbursed at different times, and it can be measured fairly quickly after a loan is disbursed. This graph depicts the on-time repayment performance of the loan cohorts issued over the past year. As you can see, the repayment rate of the first installment correlates remarkably closely with the repayment rate of all installments in each cohort: We're continuously adapting our system, so that the repayment performance of our loans continues to get better with each cohort.