It was unclear to me at first that a default rate of 0.4 on the map is actually 40% !!! I had no idea it was that high, and I just assumed it meant 0.4% until

It was unclear to me at first that a default rate of 0.4 on the map is actually 40% !!! I had no idea it was that high, and I just assumed it meant 0.4% until I saw the numbers later.