Problem: Moreover, a conflict of interest between professional investment managers and their institutional clients, combined with a global glut in investment capital, led to bad investments by asset managers in over-priced credit assets. Professional investment managers generally are compensated based on the volume of client assets under management. There is, therefore, an incentive for asset managers to expand their assets under management in order to maximize their compensation. As the glut in global investment capital caused the yields on credit assets to decline, asset managers were faced with the choice of either investing in assets where returns did not reflect true credit risk or returning funds to clients. Many asset managers chose to continue to invest client funds in over-priced (under-yielding) investments, to the detriment of their clients, in order to maintain their assets under management. This choice was supported by a "plausible deniability" of the risks associated with subprime-based credit assets because the loss experience with early "vintages" of subprime loans was so low.
What led to bad investments by asset managers in over-priced credit assets?
The answer is the following: a conflict of interest

Problem: Active solar techniques use photovoltaics, concentrated solar power, solar thermal collectors, pumps, and fans to convert sunlight into useful outputs. Passive solar techniques include selecting materials with favorable thermal properties, designing spaces that naturally circulate air, and referencing the position of a building to the Sun. Active solar technologies increase the supply of energy and are considered supply side technologies, while passive solar technologies reduce the need for alternate resources and are generally considered demand side technologies.
What is an active solar technique used to generate energy?
The answer is the following: solar thermal collectors

Problem: St. John's is one of the oldest settlements in North America, with year-round settlement beginning sometime after 1630 and seasonal habitation long before that. It is not, however, the oldest surviving English settlement in North America or Canada, having been preceded by the Cuper's Cove colony at Cupids, founded in 1610, and the Bristol's Hope colony at Harbour Grace, founded in 1618. In fact, although English fishermen had begun setting up seasonal camps in Newfoundland in the 16th Century, they were expressly forbidden by the British government, at the urging of the West Country fishing industry, from establishing permanent settlements along the English controlled coast, hence the town of St. John's was not established as a permanent community until after the 1630s at the earliest. Other permanent English settlements in the Americas that predate St. John's include: St. George's, Bermuda (1612) and Jamestown, Virginia (1607).
Which city is considered one of the oldest settlements in North America?
The answer is the following: St. John's

Problem: Suffering (Pāli: दुक्ख dukkha; Sanskrit दुःख duḥkha) is also a central concept in Buddhism. The word roughly corresponds to a number of terms in English including suffering, pain, unsatisfactoriness, sorrow, affliction, anxiety, dissatisfaction, discomfort, anguish, stress, misery, and frustration. Although the term is often translated as "suffering", its philosophical meaning is more analogous to "disquietude" as in the condition of being disturbed. As such, "suffering" is too narrow a translation with "negative emotional connotations"[web 9] that can give the impression that the Buddhist view is pessimistic, but Buddhism seeks to be neither pessimistic nor optimistic, but realistic. In English-language Buddhist literature translated from Pāli, "dukkha" is often left untranslated, so as to encompass its full range of meaning.[note 8]
In translation what term is often left untranslated to keep of fuller definition?
The answer is the following:
dukkha