Yes - I understand the chart. But maybe I'm missing something - you've said the article is lacking substance but haven't really substantiated that yourself? The

Yes - I understand the chart. But maybe I'm missing something - you've said the article is lacking substance but haven't really substantiated that yourself? The only statistic pointed out is one you initially mentioned. If you have more data (I saw a neat SA link below), I'd like to take a look myself. The author in two consecutive paragraphs states that a number of government and private orgs are sounding alarms, and then proceeds to say the danger isn't immediate. He echoes this sentiment throughout. I think the over-leveraging has to be considered on a case by case basis, as it's hard to make that assertion across the board, especially given how much of a borrowers market its been for years. The article to me reads as a warning that this is unprecedented so we should probably be careful, but only time will tell.