Hi @sapwood I'm little bit confused with this statement on the bull/bear market here

In a bull market, generally, the debt ratio is low because STEEM price is generally high, so the STEEM/SBD ratio is also higher, which means fewer STEEM tokens are required to back 1 SBD.

In contrast in a bear market, the STEEM price goes down and STEEM/SBD ratio goes lower, which means more STEEM tokens are required to back 1 SBD.

Are debt ratio and steem/sbd ratio are the same thing here? or a different set of ratios?