financial management discussion case

Click Link Below for Article:

http://www.wsj.com/articles/home-equity-lines-of-credit-see-jump-in-delinquencies-1433777432

When posting your discussion response, make sure that you answer the following questions and provide a link of a site that supports what you have provided for your discussion response.  If you do not add a link along with your discussion response you will receive half of the credit for the discussion assignment.

Question 1: 

What percent of home-equity lines of credit (Helocs) signed up for in 2004 were 30 days or more late? How does this compare to just a few months before?

Question 2:

What has triggered the jump and why?

Question 3:

Why do you think banks tend to keep Helocs on their books rather than reselling them? What are the implications for these banks?

Question 4:

Should banks restructure these loans in response to pressure from regulators? Why or why not?