The net relationship between these two variables has never been such that charge-off rates exceed interest rates, and, in a normalized environment, will range anywhere from 6% to 12%.

这两个变量的净差从来没有出现过坏账率超过利率的情况，而且在正常情况下，这一净差将一直在6%-12%的范围内。

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The net relationship between these two variables has never been such that charge-off rates exceed interest rates, and, in a normalized environment, will range anywhere from 6% to 12%.

这两个变量的净差从来没有出现过坏账率超过利率的情况，而且在正常情况下，这一净差将一直在6%-12%的范围内。

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