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This is really good analysis. I would like to see it in per capita terms for 18 - 49 year old's 2003,2009, 2016 to see if credit expansion has kept up with population growth. That is whether monetary and credit policy have kept pace with general population growth in an era of sensible regulation. 2006 - 2008 is irrelevant except as an evaluation of the effects of de-regulation,and lax enforcement.