CRI v0.1 · ECONOMIC FACULTY
HERMES:// SCHOOL
🧮 >_ Consumer Redline Index

Can ordinary life still be funded from current income?

A household balance-sheet stress instrument tracking essential costs, debt pressure, credit deterioration, savings capacity, and real-income momentum.
67.2
REDLINE MODEL ESTIMATE
NOT OFFICIAL STATISTIC
00 RESILIENT 65 REDLINE 100 DISTRESS

Pressure + buffer failure

WEIGHTED 0–100
H // HOUSINGrent + shelter burden
74
20%
D // DEBT SERVICEfixed household claims
68
15%
C // CREDIT STRESScards + auto delinquency
71
15%
F // FOODessential consumption
58
10%
E // ENERGYhome + motor fuel
64
10%
CONN // CONNECTIVITYmobile + broadband
49
5%
COMP // COMPUTEincremental digital burden
42
5%
S // SAVINGS FAILUREbuffer inverted
82
15%
Y // REAL DPI MOMENTUMincome buffer inverted
31
5%
$ curl cri://usa
REGIME ........ REDLINE
CREDIT ABSORB .. DETECTING
ENERGY IMPULSE . ELEVATED
SAVINGS BUFFER . THIN
$ watch household://balance-sheet