In comparing the traditional way of structuring mortgages and the newer structure of providing mortgages that securitized them and insured those securities with credit default swaps , it is clear that the ____ structure increased homeownership rates and that the ___ structure was riskier to the health of the overall economy.

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The newer structure of providing mortgages, which involved securitization and the use of credit default swaps, increased homeownership rates by making credit more accessible. However, this approach was also riskier to the overall economy, as evidenced by the 2008 financial crisis, where the collapse of the housing bubble led to widespread economic turmoil.

In Comparing the Traditional Way of Structuring Mortgages and the Newer