Yield premiums on bonds backed by pools of consumer debt have edged consistently higher this year, reflecting perceptions of rising risk. Junior bonds made of bundles of subprime car loans, for example, now offer investors ______ percentage points extra yield over comparable Treasury notes, up from 2.41 percentage points at the start of the year, according to JPMorgan (Links to an external site.) data. Pricing for other kinds of consumer-debt investments shows a similar trend.