So let's go to this crisis, and the two huge epidemics of loan origination fraud that drove the crisis -- appraisal fraud and liar's loans -- and what we're going to see in looking at both of these is we got warnings that were incredibly early about these frauds.
Então vamos a esta crise, e as duas grandes epidemias de origem nos empréstimos fraudulentos que nos levou a crise, fraude estimada e empréstimos mentirosos. E o que nós vamos ver olhando para essas duas é que nós fomos avisados incrivelmente cedo sobre essas fraudes.