QUES: Critics such as economist Paul Krugman and U.S. Treasury Secretary Timothy Geithner have argued that the regulatory framework did not keep pace with financial innovation, such as the increasing importance of the shadow banking system, derivatives and off-balance sheet financing. A recent OECD study suggest that bank regulation based on the Basel accords encourage unconventional business practices and contributed to or even reinforced the financial crisis. In other cases, laws were changed or enforcement weakened in parts of the financial system. Key examples include:

What accords possibly contributed to or reinforced the financial crisis?
What is the answer?
ANS: Basel
QUES: To the east of the county are upland areas leading to the Pennines. North of the Ribble is Beacon Fell Country Park and the Forest of Bowland, another AONB. Much of the lowland in this area is devoted to dairy farming and cheesemaking, whereas the higher ground is more suitable for sheep, and the highest ground is uncultivated moorland. The valleys of the River Ribble and its tributary the Calder form a large gap to the west of the Pennines, overlooked by Pendle Hill. Most of the larger Lancashire towns are in these valleys South of the Ribble are the West Pennine Moors and the Forest of Rossendale where former cotton mill towns are in deep valleys. The Lancashire Coalfield, largely in modern-day Greater Manchester, extended into Merseyside and to Ormskirk, Chorley, Burnley and Colne in Lancashire.

What is the area around Ormskirk used for?
What is the answer?
ANS: unanswerable
QUES: The Presbyterian Church (U.S.A.) has adopted the Book of Confessions, which reflects the inclusion of other Reformed confessions in addition to the Westminster Standards. These other documents include ancient creedal statements (the Nicene Creed, the Apostles' Creed), 16th-century Reformed confessions (the Scots Confession, the Heidelberg Catechism, the Second Helvetic Confession), and 20th century documents (The Theological Declaration of Barmen, Confession of 1967 and A Brief Statement of Faith).

Which book has the Second Helvetic Confession adopted?
What is the answer?
ANS:
unanswerable