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Check out the National Association of Credit Management Report. Basically everything has returned to its previous levels of expansion but there is one thing that stands out in contrast to everything else. Bankruptcies. It fits into the insolvency phase Raoul Pal has mentioned. Excerpt: “There have been many new bankruptcy filings emerging as the full impact of the lockdown is felt and as many of the restrictions have been reimposed.” You can look at their archive here to compare it to 2008 if you would like: https://nacm.org/cmi/cmi-archive.html