> caused by a build-up of bad debt Why does it build up? A generalized autoregressive model explains that just as well as an oscillator does. The key differe

> caused by a build-up of bad debt Why does it build up? A generalized autoregressive model explains that just as well as an oscillator does. The key difference is how predictable the periods are. The more waves you're composing to force the oscillator model to fit, the less likely it's appropriate.