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The root cause of all this trouble is pretty simple. Banks and Wall Street firms made trillions of dollars in loans they shouldn't have - chiefly subprime home mortgage loans. Now they're having to write off the losses, and some of them no longer have enough capital (money available...

Author: /time Magazine | Title: Financial Meltdowns: How Big a Blow? | 9/15/2008 | See Source »

AIG's troubles, for example, began with big losses in its mortgage-laden investment portfolio. But its current crisis has to do with its big position in credit default swaps - securities that allow one to bet on or insure against a company's failure. If the credit-rating agencies downgrade...

Author: /time Magazine | Title: Financial Meltdowns: How Big a Blow? | 9/15/2008 | See Source »

His registrations include work on a number of issues that have become flashpoints in the presidential campaign. He has registered to work on bills that deal with the regulations of troubled mortgage lenders Freddie Mac and Fannie Mae, a bill to provide farm subsidies and bills that regulate domestic oil...

Author: /time Magazine | Title: McCain Taps Lobbyist for Transition | 9/12/2008 | See Source »

It's not just Frannie we're talking about here. There were also $29 billion in government loans behind Bear Stearns' shotgun marriage to JPMorgan Chase & Co. in March, although since they were made by the Federal Reserve--which can print its own money--it's not a direct cost...

Author: /time Magazine | Title: With Fannie and Freddie, the US Is Bailout Nation | 9/11/2008 | See Source »

5 | What should happen to Fannie and Freddie now? After the savings-and-loan industry imploded, Fannie and Freddie filled the resulting vacuum to become the country's dominant providers of mortgage funding. Earlier this decade, though, Fannie and Freddie were caught cooking the books and punished by regulators with...

Author: /time Magazine | Title: With Fannie and Freddie, the US Is Bailout Nation | 9/11/2008 | See Source »

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