I work for a Credit Union that is still doing 75-80% home equity revolving credits attached to chequing accounts in the form of a giant overdraft to compete with all in one offerings.
The majority of them are maxed or near maxed on their lines. 80% may be off, it could be closer to 90%. Most people don't have an idea of how many years of payments thry have left at a current payment pace, they are oblivious. That is actually my most succesful problem question to ask as it typically brings in additional business and puts people on structured plan.
Anywho, my intent was not to derail your thread. I do have a passion for this stuff and do care about people I meet, so sometimes it is hard for me to keep quiet. I will stop now, though, as I am confident you take of people and their needs.
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