The slowdown hits my Prosper portfolio

I had been feeling pretty good that my Prosper portfolio was paying 11.73% and had no late payments six months ago.  Unfortunately today out of 27 loans there are three late and in collections.  The balances are small, but it is a sign of the times.  I wonder when Prosper writes off the loans and adjusts you average return figures.  Prosper is still in lock-down due to the Cease and Desist order and i hope they get out of it.