Know 10 people with prime mortgages? Odds are that one of them is behind on the payments. That was the delinquency rate in Maryland and the U.S. at the end of September, an astonishingly high figure for borrowers who were supposed to be good credit risks. 

The Mortgage Bankers Association blamed unemployment, which last month hit 7.3 percent in Maryland and 10.2 percent on average nationwide. Falling home prices are another factor, the trade group notes.

So: Are we at the point where everyone is affected in some way by the rising tide of foreclosures and delinquencies? Enlighten us all by weighing in on this choose-all-that-apply poll:

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