avg_loss/net_apy are not calculating correctly.

[junster1]

Running with the following parameters
lbct.py -f 10 -b 20 -w 1
I get results like this:
Matched 14/466287 loans (0/mo.) test at 23.27% APY, 4 loans defaulted (28.00%, $0.00 avg loss) 25.4963% net APY.

It doesn't seem to be calculating the avg loss correctly, therefore the net_apy is off. I have been digging around in the code, but I haven't figured out where this is being calculated as of yet. Any pointers would be helpful.