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The securitization markets supported by the shadow banking system started to close down in the spring of 2007 and nearly shut-down in the fall of 2008. More than a third of the private credit markets thus became unavailable as a source of funds. According to the Brookings Institution, the traditional banking system does not have the capital to close this gap as of June 2009: "It would take a number of years of strong profits to generate sufficient capital to support that additional lending volume." The authors also indicate that some forms of securitization are "likely to vanish forever, having been an artifact of excessively loose credit conditions."

When did the securitization markets supported by the shadow banking systems start to close down?
Answer: spring of 2007
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Darwin went to Edinburgh University in 1825 to study medicine. In his second year he neglected his medical studies for natural history and spent four months assisting Robert Grant's research into marine invertebrates. Grant revealed his enthusiasm for the transmutation of species, but Darwin rejected it. Starting in 1827, at Cambridge University, Darwin learnt science as natural theology from botanist John Stevens Henslow, and read Paley, John Herschel and Alexander von Humboldt. Filled with zeal for science, he studied catastrophist geology with Adam Sedgwick.

Who did Darwin assist in researching marine invertebrates?
Answer: Robert Grant
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In 1992, Schwarzenegger and his wife opened a restaurant in Santa Monica called Schatzi On Main. Schatzi literally means "little treasure," colloquial for "honey" or "darling" in German. In 1998, he sold his restaurant.

What's the name of the restaurant Schwarzenegger opened with his wife?
Answer:
Schatzi On Main