A look at "family" words

It's nice to see all the traffic we've been getting for the analysis of words from Prosper loans. A couple sites latched onto the fact that in Pre-2008 loans we saw certain family words performing appearing in loans that performed poorly.

Since that topic appeared to be of interest to people I wanted to explore it in more detail:

Description	Total Loans	Paid	Recovered	Never Recovered
Pre 2008, D, All	3117	59.3%	60.2%	39.8%
Pre 2008, D, Contain a "family" word	924	52.2%	53%	47%
2008-2009, D, All	2379	46.7%	47.4%	31.6%
2008-2009, D, Contain a "family" word	487	43.3%	43.9%	35.5%
2010, D, all	1314	13.9%	13.9%	4.9%
2010, D, Contain a "family" word	155	14.8%	14.8%	2.6%
2011, D, All	1193	2.8%	2.8%	0%
2011, D, Contain a "family" word	103	1.9%	1.9%	0%

It looks like the case is true through the 2009 loans so far. The 2010 and 2011 loans are too young to draw conclusions, but given the initial numbers I'm not certain that I would be comfortable saying that loans with a "family" word are a bad investment.

"Family" words are defined as: husband, child, children, mother, daughter, son in either the title or description of the loan.