4.3 months is really young for a LC account. You may see larger changes of ANAR from now to 10 months (Weighted Average Age). I checked my records. I added $8000 new money. At avg age of 5 months, the ANAR = WAIR = 19% (6 notes were sold in FolioFn though). Now, at avg age of 11.6 months, the ANAR is about 13.5% while WAIR=18.5% with a total amount $20,000.