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Posner, R. (2011-04-22). Underlying Causes of the Financial Crisis of 2008–2009. In New Directions in Financial Services Regulation. : The MIT Press. Retrieved 21 Sep. 2021, from https://mitpress.universitypressscholarship.com/view/10.7551/mitpress/9780262015615.001.0001/upso-9780262015615-chapter-3.