This boom in innovative financial products went hand in hand with more complexity. It multiplied the number of actors connected to a single mortgage (including mortgage brokers, specialized originators, the securitizers and their due diligence firms, managing agents and trading desks, and finally investors, insurances and providers of repo funding). With increasing distance from the underlying asset these actors relied more and more on indirect information (including FICO scores on creditworthiness, appraisals and due diligence checks by third party organizations, and most importantly the computer models of rating agencies and risk management desks). Instead of spreading risk this provided the ground for fraudulent acts, misjudgments and finally market collapse. In 2005 a group of computer scientists built a computational model for the mechanism of biased ratings produced by rating agencies, which turned out to be adequate to what actually happened in 2006–2008.[citation needed]
What is a type of indirect information that financial institutions and investors used to judge the risk?
computer models of rating agencies

Candidates for Freemasonry will have met most active members of the Lodge they are joining before they are initiated. The process varies between jurisdictions, but the candidate will typically have been introduced by a friend at a Lodge social function, or at some form of open evening in the Lodge. In modern times, interested people often track down a local Lodge through the Internet. The onus is on candidates to ask to join; while candidates may be encouraged to ask, they are never invited. Once the initial inquiry is made, an interview usually follows to determine the candidate's suitability. If the candidate decides to proceed from here, the Lodge ballots on the application before he (or she, depending on the Masonic Jurisdiction) can be accepted.
How does one become a Freemason?
The onus is on candidates to ask to join

For 1890, the Census Office changed the design of the population questionnaire. Residents were still listed individually, but a new questionnaire sheet was used for each family. Additionally, this was the first year that the census distinguished between different East Asian races, such as Japanese and Chinese, due to increased immigration. This census also marked the beginning of the term "race" in the questionnaires. Enumerators were instructed to write "White," "Black," "Mulatto," "Quadroon," "Octoroon," "Chinese," "Japanese," or "Indian."
Why were different East Asian races divided in 1890 Census?
increased immigration