Clearly most of the sales folks or developers had not worked in retail stores (e.g. try to explain to an average consumer why strawberry was a different price than blueberry).
Instead of the January G.19 Report marking the first time consumer debt had increased in 27 months, it actually marked the worsening of a trend that had been going on for some time.
Under the auspices of the Financial Stability Board, more than 30 recommendations have been set out as part of a massive and far-reaching G-20 financial regulatory reform package to ostensibly minimize risk in the financial system and maximize consumer protection.