Does this warrant a new thread? Why not post it in either of the other 2 threads you've devoted to this issue?
BTW, you're still wrong. No where in the March article you're now citing does Cagan say he "expects" 1.47M defaults, just as he doesn't come to that conclusion in the Sept 12th article.
Finally, "insults" is plural, and thus the corresponding verb should reflect that. It should be "personal insults were a joke", not "personal insults was a joke".
