One of our new card portfolios is growing fast. Balances went from 5 billion at the start of the year to 10 billion at year end, with 300 million in charge-offs. The team reports a 3 percent loss rate, better than peers. Do you trust that number, and how would you calculate it?

我们一个新卡组合增长很快，年初余额50亿美元，年末100亿，全年核销3亿。团队报告说损失率只有3%，比同业低。你觉得这个数靠谱吗？你会怎么算？