oh right... maybe I'd like a longer timeframe, assuming the the downward trend coming from high GFC readings... but yeas, yours is a much more obvious interpretation; not sure what I was doing -.-

denlillaapan

All of them are right where they were in 2016.

The Covid trough is a pure policy artifact, so you at least have to start from those 2020 cliff edges. My reading is that as additional 1% of people from the poorest group are 90 days delinquent, comparing immediately pre-Covid to now.

econ

Can't Afford a Home? Check Out, Work Less... and Gamble on Crypto

All of them are right where they were in 2016.

The Covid trough is a pure policy artifact, so you at least have to start from those 2020 cliff edges. My reading is that as additional 1% of people from the poorest group are 90 days delinquent, comparing immediately pre-Covid to now.