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Many causes for the financial crisis have been suggested, with varying weight assigned by experts. The U.S. Senate's Levin–Coburn Report concluded that the crisis was the result of "high risk, complex financial products; undisclosed conflicts of interest; the failure of regulators, the credit rating agencies, and the market itself to rein in the excesses of Wall Street." The Financial Crisis Inquiry Commission concluded that the financial crisis was avoidable and was caused by "widespread failures in financial regulation and supervision", "dramatic failures of corporate governance and risk management at many systemically important financial institutions", "a combination of excessive borrowing, risky investments, and lack of transparency" by financial institutions, ill preparation and inconsistent action by government that "added to the uncertainty and panic", a "systemic breakdown in accountability and ethics", "collapsing mortgage-lending standards and the mortgage securitization pipeline", deregulation of over-the-counter derivatives, especially credit default swaps, and "the failures of credit rating agencies" to correctly price risk. The 1999 repeal of the Glass-Steagall Act effectively removed the separation between investment banks and depository banks in the United States. Critics argued that credit rating agencies and investors failed to accurately price the risk involved with mortgage-related financial products, and that governments did not adjust their regulatory practices to address 21st-century financial markets. Research into the causes of the financial crisis has also focused on the role of interest rate spreads.

What is the name of the commission who concluded the financial crisis was avoidable?
Answer: Financial Crisis Inquiry Commission
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Due to the patriarchal nature of Arab society, Arab men, including during the slave trade in North Africa, enslaved more black women than men. They used more black female slaves in domestic service and agriculture than males. The men interpreted the Qur'an to permit sexual relations between a male master and his female slave outside of marriage (see Ma malakat aymanukum and sex), leading to many mixed-race children. When an enslaved woman became pregnant with her Arab master's child, she was considered as umm walad or "mother of a child", a status that granted her privileged rights. The child was given rights of inheritance to the father's property, so mixed-race children could share in any wealth of the father. Because the society was patrilineal, the children took their fathers' social status at birth and were born free.

Who was enslaved more often?
Answer: black women
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China's modern higher education began in 1895 with the Imperial Tientsin University which was a polytechnic plus a law department. Liberal arts were not offered until three years later at Capital University. To this day, about half of China's elite universities remain essentially polytechnical.

What portion of China's elite universities still have a primary polytechnical focus today?
Answer:
half