其次，我的同事苏菲（Amir Sufi）与合作者米安（Atif Mian）指出，在美国，家庭过度负债和需求下降都是本地化的。
Second, household over-indebtedness in the US, as well as the fall in demand, is localized, as my colleague Amir Sufi and his co-author, Atif Mian, have shown.