Special point here is because the establishment, purchase, sale, and MBS insuranceis extremely complex, so it is almost out of control informationusually the Government. Because of a lack of control necessary for so greed andcalculated risk has become popular in the investors. Besides, due to the possible sale ofthe majority of the loans to other companies to turn them into MBS, socommercial banks have become more adventurous lending, despitethe repayment ability of the borrower
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