(https://www.cnbc.com/2026/09/09/demand-for-riskier-mortgages-rises-again-along-with-interest-rates.html) and everyone's reading it as consumer resilience. Wrong. This is the canary before the collapse. ARM adoption always precedes demand destruction in discretionary spending—consumer goods, last-mile logistics, specialty retail all roll over 3-6 months after ARM penetration peaks.

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