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5732bad2cc179a14009dac40 | [
"[CLS]",
"peter",
"j.",
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"peter",
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"according",
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"the",
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"was",
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"by",
"a",
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"number",
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"[CLS]",
"who",
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"that",
"the",
"growth",
"of",
"the",
"commercial",
"real",
"estate",
"bubble",
"indicated",
"that",
"u.s.",
"housing",
"policy",
"was",
"not",
"the",
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"the",
"crisis?",
"[SEP]",
"krugman's",
"contention",
"(that",
"the",
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"of",
"a",
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"real",
"estate",
"bubble",
"indicates",
"that",
"u.s.",
"housing",
"policy",
"was",
"not",
"the",
"cause",
"of",
"the",
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"is",
"challenged",
"by",
"additional",
"analysis.",
"after",
"researching",
"the",
"default",
"of",
"commercial",
"loans",
"during",
"the",
"financial",
"crisis,",
"xudong",
"an",
"and",
"anthony",
"b.",
"sanders",
"reported",
"(in",
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"2010):",
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"find",
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"evidence",
"that",
"substantial",
"deterioration",
"in",
"cmbs",
"[commercial",
"mortgage-backed",
"securities]",
"loan",
"underwriting",
"occurred",
"prior",
"to",
"the",
"crisis.\"",
"other",
"analysts",
"support",
"the",
"contention",
"that",
"the",
"crisis",
"in",
"commercial",
"real",
"estate",
"and",
"related",
"lending",
"took",
"place",
"after",
"the",
"crisis",
"in",
"residential",
"real",
"estate.",
"business",
"journalist",
"kimberly",
"amadeo",
"reports:",
"\"the",
"first",
"signs",
"of",
"decline",
"in",
"residential",
"real",
"estate",
"occurred",
"in",
"2006.",
"three",
"years",
"later,",
"commercial",
"real",
"estate",
"started",
"feeling",
"the",
"effects.",
"denice",
"a.",
"gierach,",
"a",
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"attorney",
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"cpa,",
"wrote:"
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57332627d058e614000b5748 | [
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"according",
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"place",
"after",
"the",
"crisis",
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"estate?",
"[SEP]",
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"policy",
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"is",
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"during",
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"xudong",
"an",
"and",
"anthony",
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"substantial",
"deterioration",
"in",
"cmbs",
"[commercial",
"mortgage-backed",
"securities]",
"loan",
"underwriting",
"occurred",
"prior",
"to",
"the",
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"other",
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"support",
"the",
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"crisis",
"in",
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"real",
"estate",
"and",
"related",
"lending",
"took",
"place",
"after",
"the",
"crisis",
"in",
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"real",
"estate.",
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"journalist",
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"amadeo",
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"real",
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"occurred",
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"three",
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"later,",
"commercial",
"real",
"estate",
"started",
"feeling",
"the",
"effects.",
"denice",
"a.",
"gierach,",
"a",
"real",
"estate",
"attorney",
"and",
"cpa,",
"wrote:"
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573328a6d058e614000b574e | [
"[CLS]",
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"by",
"the",
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"rating",
"agencies?",
"[SEP]",
"in",
"a",
"peabody",
"award",
"winning",
"program,",
"npr",
"correspondents",
"argued",
"that",
"a",
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"(represented",
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"in",
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"higher",
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] | 96 | 98 | [
101,
101,
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5733399bd058e614000b5798 | [
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"did",
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"review",
"in",
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"analysis?",
"[SEP]",
"in",
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"testimony",
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"crisis",
"inquiry",
"commission,",
"officers",
"of",
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"2006",
"to",
"june",
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"standards.",
"the",
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"of",
"23",
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"and",
"commercial",
"banks,",
"including",
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"fail\"",
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"did",
"not",
"meet",
"the",
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"clayton's",
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"showed",
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"39%",
"of",
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"those",
"not",
"meeting",
"any",
"issuer's",
"minimal",
"underwriting",
"standards)",
"were",
"subsequently",
"securitized",
"and",
"sold",
"to",
"investors."
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"[CLS]",
"what",
"is",
"the",
"name",
"for",
"lending",
"that",
"entices",
"borrowers",
"to",
"enter",
"into",
"unsafe",
"secured",
"loans?",
"[SEP]",
"predatory",
"lending",
"refers",
"to",
"the",
"practice",
"of",
"unscrupulous",
"lenders,",
"enticing",
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"or",
"\"unsound\"",
"secured",
"loans",
"for",
"inappropriate",
"purposes.",
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"method",
"was",
"used",
"by",
"countrywide",
"financial,",
"advertising",
"low",
"interest",
"rates",
"for",
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"refinancing.",
"such",
"loans",
"were",
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"extensively",
"detailed",
"contracts,",
"and",
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"for",
"more",
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"until",
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"had",
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"about",
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"and",
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"detrimental",
"if",
"too",
"many",
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"pursue",
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57334868d058e614000b5824 | [
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57334868d058e614000b5825 | [
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