1. Which states had levels of credit stress greater 2. Which state(s) had a higher percentage of than the US averages? people in a "weak" credit condition, compared to U.S. average? DOK 1 GOK I 3. Based on the information in the chart above, how would you characterize overall levels of credit stress? Overall, are things improving or declining? DOK 2 4. If you were a bank executive making personal loans to consumers, which state(s) would you price your loans with the highest interest rates? Why? DOK 3 5. What factors do you think play a role in individual levels of "credit stress?" DOK 3