> So the number is even closer to half now. Nope[1]. Local maxima at 42.5% circa 21Q4, but currently 38.3% and trending down since. [1] https://fred.stlouisfe

> So the number is even closer to half now. Nope[1]. Local maxima at 42.5% circa 21Q4, but currently 38.3% and trending down since. [1] https://fred.stlouisfed.org/graph/?g=18ZDm https://fred.stlouisfed.org/graph/?g=18ZDm