Context: The checks & balances kept banks solvent and borrowers responsible . Although this approach worked , some cried foul stating that the regulated system was racist and discriminatory - and there certainly was some truth to this . Skipping forward to the present , banks made a bundle on mortgages over the past five or six years . For the most part , they allowed their underwriting criteria to be stretched so far out of alignment that almost anyone could and indeed did , qualify for a mortgage despite their ability to pay .
Question: What topic is the narrator discussing ?
Option 0: They are discussing financial topics .
Option 1: None of the above choices .
Option 2: They are discussing energy use .
Option 3: They are discussing borrowers of student loans .
Answer: 0