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The term heresy is from Greek αἵρεσις originally meant "choice" or "thing chosen", but it came to mean the "party or school of a man's choice" and also referred to that process whereby a young person would examine various philosophies to determine how to live. The word "heresy" is usually used within a Christian, Jewish, or Islamic context, and implies slightly different meanings in each. The founder or leader of a heretical movement is called a heresiarch, while individuals who espouse heresy or commit heresy are known as heretics. Heresiology is the study of heresy.

What is the head person of a heretical movement called?
Answer: heresiarch
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Muammar Muhammad Abu Minyar al-Gaddafi (Arabic: معمر محمد أبو منيار القذافي‎ Arabic pronunciation: [muʕamar al.qaðaːfiː]; /ˈmoʊ.əmɑːr ɡəˈdɑːfi/;  audio (help·info); c. 1942 – 20 October 2011), commonly known as Colonel Gaddafi,[b] was a Libyan revolutionary, politician, and political theorist. He governed Libya as Revolutionary Chairman of the Libyan Arab Republic from 1969 to 1977 and then as the "Brotherly Leader" of the Great Socialist People's Libyan Arab Jamahiriya from 1977 to 2011. Initially ideologically committed to Arab nationalism and Arab socialism, he came to rule according to his own Third International Theory before embracing Pan-Africanism and serving as Chairperson of the African Union from 2009 to 2010.

What political philosophy did  Gaddafi adhere to when he was the Chairperson of the African Union?
Answer: Pan-Africanism
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Countering Krugman, Peter J. Wallison wrote: "It is not true that every bubble—even a large bubble—has the potential to cause a financial crisis when it deflates." Wallison notes that other developed countries had "large bubbles during the 1997–2007 period" but "the losses associated with mortgage delinquencies and defaults when these bubbles deflated were far lower than the losses suffered in the United States when the 1997–2007 [bubble] deflated." According to Wallison, the reason the U.S. residential housing bubble (as opposed to other types of bubbles) led to financial crisis was that it was supported by a huge number of substandard loans – generally with low or no downpayments.

Peter J. Wallison believes that the huge number of these loans led to the financial crisis?
Answer:
substandard