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European regulators introduced Basel III regulations for banks. It increased capital ratios, limits on leverage, narrow definition of capital (to exclude subordinated debt), limit counter-party risk, and new liquidity requirements. Critics argue that Basel III doesn’t address the problem of faulty risk-weightings. Major banks suffered losses from AAA-rated created by financial engineering (which creates apparently risk-free assets out of high risk collateral) that required less capital according to Basel II. Lending to AA-rated sovereigns has a risk-weight of zero, thus increasing lending to governments and leading to the next crisis. Johan Norberg argues that regulations (Basel III among others) have indeed led to excessive lending to risky governments (see European sovereign-debt crisis) and the ECB pursues even more lending as the solution.

Who argued that regulations led to excessive lending to risky governments?
Answer: Johan Norberg
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In his 2003 paper, "Human Genetic Diversity: Lewontin's Fallacy", A. W. F. Edwards argued that rather than using a locus-by-locus analysis of variation to derive taxonomy, it is possible to construct a human classification system based on characteristic genetic patterns, or clusters inferred from multilocus genetic data. Geographically based human studies since have shown that such genetic clusters can be derived from analyzing of a large number of loci which can assort individuals sampled into groups analogous to traditional continental racial groups. Joanna Mountain and Neil Risch cautioned that while genetic clusters may one day be shown to correspond to phenotypic variations between groups, such assumptions were premature as the relationship between genes and complex traits remains poorly understood. However, Risch denied such limitations render the analysis useless: "Perhaps just using someone's actual birth year is not a very good way of measuring age. Does that mean we should throw it out? ... Any category you come up with is going to be imperfect, but that doesn't preclude you from using it or the fact that it has utility."

How is the relationship between genes and complex traits understood?
Answer: poorly
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It was believed that immortality could be achieved if one reached the lands of the Queen Mother of the West or Mount Penglai. Han-era Daoists assembled into small groups of hermits who attempted to achieve immortality through breathing exercises, sexual techniques and use of medical elixirs. By the 2nd century AD, Daoists formed large hierarchical religious societies such as the Way of the Five Pecks of Rice. Its followers believed that the sage-philosopher Laozi (fl. 6th century BC) was a holy prophet who would offer salvation and good health if his devout followers would confess their sins, ban the worship of unclean gods who accepted meat sacrifices and chant sections of the Daodejing.

What could be earned if an individual had reached the lands of the Queen Mother of the West?
Answer:
immortality