PLS loans represent 15% of mortgages but 50% of serious delinquencies. Delinquencies, defaults, and decreased real estate values could make CDOs difficult to evaluate. This results in delinquencies appearing on your credit report which lower your credit score. Deterrence is the act of control and punishment towards status offenses to prevent further delinquencies. The prevalence of religious activities has not reduced undesirable delinquencies in this region. Cho faced another criticisms regarding with tax delinquencies related with Institute of Ungdong. Delinquencies during that time period are usually unacceptable. Early years were marked by large numbers of delinquencies, and guidance from Adkins and staff. For example, in Werner's study, he found that 30% of COAs were committing serious delinquencies.