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Jimmys daddy, Earl, has built some sort of clay tennis court out there, puts all kinds of spin on the ball when he beats his son

The report dives into: - Prepayment rate alignment overall (Fannie and Freddie speeds remained closely aligned across most 30-year TBA cohorts) - Fastest Paying Quartile Analysis (Charts 3a3m) using three-month CPRs to surface outliers - WACCoupon Spread Dynamics (Chart 4) and how refinancing incentives shape prepayment behavior - Cohort-Level Trends (Tables 13) breaking down FICO, LTV, WALA/WAM, and vintage for nuanced prepay interpretation RiskSpan provides the calculations behind CPR assessments, WACcoupon spread metrics, and cohort segmentation in this report using publicly available data as of July 2025

Golden Leaf Lutu is an imported Chinese cigarette from the well-known Golden Leaf brand