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The bursting of the U.S. (United States) housing bubble, which peaked in 2004, caused the values of securities tied to U.S. real estate pricing to plummet, damaging financial institutions globally. The financial crisis was triggered by a complex interplay of policies that encouraged home ownership, providing easier access to loans for subprime borrowers, overvaluation of bundled subprime mortgages based on the theory that housing prices would continue to escalate, questionable trading practices on behalf of both buyers and sellers, compensation structures that prioritize short-term deal flow over long-term value creation, and a lack of adequate capital holdings from banks and insurance companies to back the financial commitments they were making. Questions regarding bank solvency, declines in credit availability and damaged investor confidence had an impact on global stock markets, where securities suffered large losses during 2008 and early 2009. Economies worldwide slowed during this period, as credit tightened and international trade declined. Governments and central banks responded with unprecedented fiscal stimulus, monetary policy expansion and institutional bailouts. In the U.S., Congress passed the American Recovery and Reinvestment Act of 2009.
What year did Congress pass the American Recover and Reinvestment Act?
A: 2009

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Height limits in the Melbourne CBD were lifted in 1958, after the construction of ICI House, transforming the city's skyline with the introduction of skyscrapers. Suburban expansion then intensified, serviced by new indoor malls beginning with Chadstone Shopping Centre. The post-war period also saw a major renewal of the CBD and St Kilda Road which significantly modernised the city. New fire regulations and redevelopment saw most of the taller pre-war CBD buildings either demolished or partially retained through a policy of facadism. Many of the larger suburban mansions from the boom era were also either demolished or subdivided.
Which two areas saw a significant renewal after the post-war period and significantly modernised the city?
A: CBD and St Kilda Road

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Epigenetic changes in eukaryotic biology serve to regulate the process of cellular differentiation. During morphogenesis, totipotent stem cells become the various pluripotent cell lines of the embryo, which in turn become fully differentiated cells. A single fertilized egg cell, the zygote, gives rise to the many different plant cell types including parenchyma, xylem vessel elements, phloem sieve tubes, guard cells of the epidermis, etc. as it continues to divide. The process results from the epigenetic activation of some genes and inhibition of others.
How is it determined, which cells will be formed?
A: activation of some genes and inhibition of others

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The Chronicle provides a mythic tale of Oleg's death. A sorcerer prophesies that the death of the Grand Prince would be associated with a certain horse. Oleg has the horse sequestered, and it later dies. Oleg goes to visit the horse and stands over the carcass, gloating that he had outlived the threat, when a snake strikes him from among the bones, and he soon becomes ill and dies. The Chronicle reports that Prince Igor succeeded Oleg in 913, and after some brief conflicts with the Drevlians and the Pechenegs, a period of peace ensued for over twenty years.
What does Oleg do to his horse?
A:
has the horse sequestered