PROLOGUE
THE ROAD OF GOOD INTENTIONS
Even if you haven’t been paying close attention for the last five years, you know that the 2008 financial crisis led to the worst recession since the Great Depression, swelled the ranks of the unemployed, and saw multibillion–dollar companies disappear overnight and millions of people either lose their homes or walk away from their mortgage contracts. You likely have heard that the meltdown nearly crippled banks and other financial industries worldwide. You also hope that the new regulatory bodies and governmental bureaus created under the Dodd–Frank Wall Street Reform and Consumer Protection Act will help prevent a recurrence.
What actually caused the meltdown? This has been the subject of much speculation. ...
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