{
  "id": "consumer-mirage",
  "name": "Consumer Mirage",
  "source": "FRED",
  "series": [
    {
      "date": "2023-01-01",
      "delinquencyRate": 2.47,
      "savingsRate": 4.9,
      "delta": 2.43
    },
    {
      "date": "2023-04-01",
      "delinquencyRate": 2.75,
      "savingsRate": 5.8,
      "delta": 3.05
    },
    {
      "date": "2023-07-01",
      "delinquencyRate": 2.94,
      "savingsRate": 5.5,
      "delta": 2.56
    },
    {
      "date": "2023-10-01",
      "delinquencyRate": 3.1,
      "savingsRate": 5.4,
      "delta": 2.3
    },
    {
      "date": "2024-01-01",
      "delinquencyRate": 3.17,
      "savingsRate": 6.4,
      "delta": 3.23
    },
    {
      "date": "2024-04-01",
      "delinquencyRate": 3.22,
      "savingsRate": 5.8,
      "delta": 2.58
    },
    {
      "date": "2024-07-01",
      "delinquencyRate": 3.2,
      "savingsRate": 5.3,
      "delta": 2.1
    },
    {
      "date": "2024-10-01",
      "delinquencyRate": 3.08,
      "savingsRate": 5,
      "delta": 1.92
    },
    {
      "date": "2025-01-01",
      "delinquencyRate": 3.06,
      "savingsRate": 5.1,
      "delta": 2.04
    },
    {
      "date": "2025-04-01",
      "delinquencyRate": 3.04,
      "savingsRate": 5.5,
      "delta": 2.46
    },
    {
      "date": "2025-07-01",
      "delinquencyRate": 2.98,
      "savingsRate": 4.5,
      "delta": 1.52
    },
    {
      "date": "2025-10-01",
      "delinquencyRate": 2.94,
      "savingsRate": 3.9,
      "delta": 0.96
    },
    {
      "date": "2026-01-01",
      "delinquencyRate": 2.92,
      "savingsRate": 4.4,
      "delta": 1.48
    }
  ],
  "frequency": "monthly",
  "units": "percent",
  "fredSeries": {
    "delinquency": "DRCCLACBS",
    "savingsRate": "PSAVERT"
  },
  "updatedAt": "2026-07-21T19:11:03.859Z",
  "notes": [
    {
      "date": "2023-01-01",
      "label": "Pivot Point",
      "description": "Rates began to diverge significantly."
    }
  ],
  "thresholds": {
    "deltaHighRisk": -1.5
  }
}