Thank you for reading it sir!
Even if my theories aren't deep enough, I do find it interesting that there appears to be a stronger correlation between unemployment rate and delinquency of loans, as opposed to comparing the GDP to one of the indicators. (just from my observations of looking at the graphs I put together on stlouisfed.org). I also find it interesting that when the unemployment rate stays flat for a little while and doesn't go up or down, that is when there ends up starting to be that upward trend in the delinquency rate of loans and unemployment rate, as if that's due to when businesses aren't growing as quickly as expected due to a lack of that marginal increase in growth that was from previously hiring workers (based on my hypothesis).
Thanks for your compliment sir! I definitely plan to continue to farther my studies.