Here's the data describing the home loan situation in the US today:

**A.**26.0 million owner-occupied homes are paid off

**B.**50.0 million homes have a mortgage

**B1.**11.0 million are underwater (mortgage is greater than the house is worth) and

**B2.**2.5 million are near or on the line (less than 5% equity)

**B3.**36.5 million have equity (mortgage is at least 10% less than the house's value)

The trouble with displaying data on a triangle is the difficulty of determining the area of the triangle, and calculating the proportional area of that total which represents a value. My triangle yesterday had sides of 10, and was placed on a grid, both of which helped in the calculations. Our calculation was also aided by a constant that comes from the formula for the area of an equilateral triangle. Simplified, that formula is [length of side squared x .433].

I'll bet you are wondering how we will calculate the area of a pie-shaped slice in a circle. If not, you should be. But that's the wrong question. What we want to do is show a proportional section of a circle, and unlike the triangle, calculating the area is not the easiest way. We can use a proportional number of the 360 degrees in a circle instead of calculating area.

That was definitely easier than calculating the area of segments of the triangle. I was able to get the angles without much trouble, because we had sets that together made 90 or 180 degrees. I hope you enjoyed for graph-making

**without**software or spreadsheets, using data from the authors of those news reports.

If you are a loan broker you now know the segment you want to reach first.