Again, one can't just take a receiver setting and make that comment. Loud depends on the size of the room, how it is "appointed," how far from the speakers you sit/ listen, how accurate the receiver is calibrated, internal settings, input voltages from sources, etc.

You really need a sound meter to make sense of the situation.

The Rat. M80s, VP-150, QS8s, SVS PC 20-39+, OPPO, Onkyo 703s, Harmony 880 Sony 60" SXRD HDTV