On Sep 19, 2011, at 11:27 AM, Bill Lear wrote:

> So, how does high unemployment lead to financial instability?  Do you
> mean that low GDP growth (from high unemployment) increases financial
> instability?

People can't service debts if they're losing jobs, and businesses can't if 
revenues are slowing.

> Unemployment was well under 5% in 2006 and 2007, and growth, while not
> terrific, was not terrible, and yet we shortly thereafter had a huge
> financial crisis.

Growth slowdowns typically precede financial crises. So in the U.S. we had:

2003   2.5%
2004   3.5
2005   3.1
2006   2.7
2007   1.9
2008  -0.3
2009  -3.5

There was a slowdown of 0.8 point from 2004 to 2006, and another 0.8 in 2007. 
That was enough to expose problems.
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