Question: From 2004 to 2007, the top five U.S. investment banks each significantly increased their financial leverage (see diagram), which increased their vulnerability to a financial shock. Changes in capital requirements, intended to keep U.S. banks competitive with their European counterparts, allowed lower risk weightings for AAA securities. The shift from first-loss tranches to AAA tranches was seen by regulators as a risk reduction that compensated the higher leverage. These five institutions reported over $4.1 trillion in debt for fiscal year 2007, about 30% of USA nominal GDP for 2007. Lehman Brothers went bankrupt and was liquidated, Bear Stearns and Merrill Lynch were sold at fire-sale prices, and Goldman Sachs and Morgan Stanley became commercial banks, subjecting themselves to more stringent regulation. With the exception of Lehman, these companies required or received government support. Lehman reported that it had been in talks with Bank of America and Barclays for the company's possible sale. However, both Barclays and Bank of America ultimately declined to purchase the entire company.
Is there an answer to this question: Changes in what intended to keep U.S. banks competitive with their European counterparts?

Answer: capital requirements


Question: After the formal end of Reconstruction, the struggle over power in Southern society continued. Through violence and intimidation against freedmen and their allies, White Democrats regained political power in Tennessee and other states across the South in the late 1870s and 1880s. Over the next decade, the state legislature passed increasingly restrictive laws to control African Americans. In 1889 the General Assembly passed four laws described as electoral reform, with the cumulative effect of essentially disfranchising most African Americans in rural areas and small towns, as well as many poor Whites. Legislation included implementation of a poll tax, timing of registration, and recording requirements. Tens of thousands of taxpaying citizens were without representation for decades into the 20th century. Disfranchising legislation accompanied Jim Crow laws passed in the late 19th century, which imposed segregation in the state. In 1900, African Americans made up nearly 24% of the state's population, and numbered 480,430 citizens who lived mostly in the central and western parts of the state.
Is there an answer to this question: In which year did the Tennessee General Assembly pass electoral reform laws that disenfranchised most African Americans in the state?

Answer: 1889


Question: Chain department stores grew rapidly after 1920, and provided competition for the downtown upscale department stores, as well as local department stores in small cities. J. C. Penney had four stores in 1908, 312 in 1920, and 1452 in 1930. Sears, Roebuck & Company, a giant mail-order house, opened its first eight retail stores in 1925, and operated 338 by 1930, and 595 by 1940. The chains reached a middle-class audience, that was more interested in value than in upscale fashions. Sears was a pioneer in creating department stores that catered to men as well as women, especially with lines of hardware and building materials. It deemphasized the latest fashions in favor of practicality and durability, and allowed customers to select goods without the aid of a clerk. Its stores were oriented to motorists – set apart from existing business districts amid residential areas occupied by their target audience; had ample, free, off-street parking; and communicated a clear corporate identity. In the 1930s, the company designed fully air-conditioned, "windowless" stores whose layout was driven wholly by merchandising concerns.
Is there an answer to this question: How many stores was J. C. Penny operating in 1930?

Answer: 1452


Question: In 1954, then-mayor Richard C. Lee began some of the earliest major urban renewal projects in the United States. Certain sections of downtown New Haven were redeveloped to include museums, new office towers, a hotel, and large shopping complexes. Other parts of the city were affected by the construction of Interstate 95 along the Long Wharf section, Interstate 91, and the Oak Street Connector. The Oak Street Connector (Route 34), running between Interstate 95, downtown, and The Hill neighborhood, was originally intended as a highway to the city's western suburbs but was only completed as a highway to the downtown area, with the area to the west becoming a boulevard (See "Redevelopment" below).
Is there an answer to this question: What New Haven mayor is responsible for projects that placed the city among the forefront of urban renewal in the U.S. circa 1954? 

Answer:
Richard C. Lee