Question: 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.
Try to answer this question if possible: What agency failed to accurately price risk involved in mortgage-related financial products?
Answer: credit rating agencies
Question: Time has long been a major subject of study in religion, philosophy, and science, but defining it in a manner applicable to all fields without circularity has consistently eluded scholars. Nevertheless, diverse fields such as business, industry, sports, the sciences, and the performing arts all incorporate some notion of time into their respective measuring systems. Some simple definitions of time include "time is what clocks measure", which is a problematically vague and self-referential definition that utilizes the device used to measure the subject as the definition of the subject, and "time is what keeps everything from happening at once", which is without substantive meaning in the absence of the definition of simultaneity in the context of the limitations of human sensation, observation of events, and the perception of such events.
Try to answer this question if possible: What has long been a major subject of study in human sensation?
Answer: unanswerable
Question: Ann Arbor was founded in 1824 by land speculators John Allen and Elisha Walker Rumsey. On 25 May 1824, the town plat was registered with Wayne County as "Annarbour;" this represents the earliest known use of the town's name. Allen and Rumsey decided to name it for their wives, both named Ann, and for the stands of Bur Oak in the 640 acres (260 ha) of land they purchased for $800 from the federal government at $1.25 per acre. The local Ojibwa named the settlement kaw-goosh-kaw-nick, after the sound of Allen's sawmill.
Try to answer this question if possible: What were the names of the founders wives?
Answer: Ann
Question: This can give rise to the situation in which two dialects (defined according to this paradigm) with a somewhat distant genetic relationship are mutually more readily comprehensible than more closely related dialects. In one opinion, this pattern is clearly present among the modern Romance languages, with Italian and Spanish having a high degree of mutual comprehensibility, which neither language shares with French, despite some claiming that both languages are genetically closer to French than to each other:[citation needed] In fact, French-Italian and French-Spanish relative mutual incomprehensibility is due to French having undergone more rapid and more pervasive phonological change than have Spanish and Italian, not to real or imagined distance in genetic relationship. In fact, Italian and French share many more root words in common that do not even appear in Spanish.
Try to answer this question if possible: What is French-Spanish and Spanish-Italian mutual incomprehensibility due to?
Answer:
unanswerable