Previously, once an account reached its liquidation threshold, APX sold enough collateral to bring the loan all the way back to its original starting LTV. Under the new standard, only enough collateral is sold to bring the account down to 85% LTV, resulting in a smaller, more limited sale of collateral than before. This new model is officially called the 90/85 Standard: an 80% LTV Notice, a 90% trigger, an 85% reset, and a 0% liquidation fee.