I support Manchester United <a href=" http://newcycling.org/jesmond-library-jesmond-2020-pressures-change/#proposition ">pros cons using cialis</a> The credit risk is hardly academic: loans originated by Prosper from November 2005 to June 2009 had a yield of just over 12 percent through the end of 2012. But losses from loan defaults reached almost 18 percent, leaving investors down 5.36 percent overall.