The Wayback Machine - https://web.archive.org/web/20150109041518/http://www.nationalbanken.dk/da/om_nationalbanken/oekonomisk_forskning/Documents/4_Household%20debt%20and%20the%20OECD's%20surveillance%20of%20member%20states%20by%20Christophe%20Andr%C3%A9.pdf