Household indebtedness risks in the wake of COVID-19 https://www.bankofcanada.ca/?p=212342 2016 wildfires 2008 recession Fort McMurray % Synthetic control group % Interquartile range low Median Interquartile range high utilization rate (%) With payment deferrals Without payment deferrals 45 22.16.32.2 00 351040 7 17.86.62.1 1603070 6.92.022.6 5 3.98.623.0 5 1500350 21.98.61.9 820640 4 9.23.324.4 1360940 4 9.628.02.9 12501130 4 9.92.332.1 10301230 4 5 13.04.926.9 8901240 17 43.614.04.2 1280160 40.915.94.9 1190-50 0.350.42 0.310.41 0.320.35 0.290.38 0.320.32 0.300.29 0.270.28 0.230.28 0.250.26 0.200.23 0.230.23 0.190.24 0.170.24 0.230.27 0.190.29 0.190.28 0.200.25 0.200.22 0.190.28 0.190.29 0.250.23 0.260.23 0.280.24 0.230.20 0.200.24 0.220.25 0.220.23 0.190.23 0.200.19 0.160.20 0.180.19 0.170.19 0.160.14 0.140.11 0.170.13 0.180.19 0.200.18 0.220.20 0.240.22 0.230.23 0.230.22 0.230.27 0.220.32 0.210.28 0.260.30 0.260.29 0.270.33 0.350.40 0.330.40 0.310.40 0.370.35 0.440.31 0.460.34 0.560.37 0.630.34 0.720.38 0.730.44 1.360.44 0.790.46 0.620.40 0.620.42 0.690.45 0.710.51 0.720.60 0.680.50 0.680.47 0.710.50 0.660.48 0.620.44 0.650.41 0.690.53 0.680.52 0.250.25 0.250.29 0.260.63 0.271.18 0.301.29 0.451.22 0.530.93 0.470.58 0.420.37