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In a report made in 1986, Howard Dayton said that personal debt in the U.S. was increasing at the rate of $1000 per second, and consumer installment debt had mushroomed to a point where it was taking approximately $1 out of every $4 that consumers earn after taxes to keep up the payments – not including their home mortgage. He said at the time that 56% of all divorces were a result of financial tension in the home. (Howard Dayton in Homemade, June, 1986)

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