When The financial melt down and housing markets crashed between 2007 and 2009 the word that the three witness' gave yesterday during the hearing was that it happened because no one followed the rules. No one followed the protocol. They took risks outside of the safety margins and it sunk the Titanical financial ship of America. If you disobey rules, disregard peoples rights, overlook lawlessness you are setting the stage for a disaster.
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