²⁵Muellbauer (2007), Figure 4, plots the data from the American Housing Survey, in which the LTV increased from roughly 90 percent in 2000 to about 95 percent in 2005. In a different dataset from the Federal Housing Finance Board (used, e.g., by Iacoviello and Neri, 2007), the LTV ratio rose by a few percentage points after 1995. Dynan and Kohn (2007), p. 18, report that in the U.S. Survey the share of households with some debt increased from 70 percent in 1983 to 77 percent in 2004.