As this chart shows, managers still expect that over the next 21 months default rates will revert toward, but not all the way to, the historical mean of 3.5% by principal amount.

FORBES: Connect

And the International Cricket Council confirmed all teams will now revert to their original travel schedules.

BBC: England confirm original World Twenty20 travel plans

When your profit margins are too fat it attracts all kinds of competition eventually causing your profits to revert to the mean.

FORBES: Why I Don't Care What Apple Is Worth