The credit crisis is mostly attributed to the use of:

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The credit crisis was largely caused by the liberal criteria applied by mortgage originators. Lenders were offering mortgages to people who could not afford to pay them back, which led to a high rate of delinquencies and defaults. This created a chain reaction throughout the financial system, as mortgage-backed securities and other financial instruments tied to subprime mortgages began to fail.

The Credit Crisis Is Mostly Attributed to the Use Of