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 ?
Options:
0. They are discussing financial topics .
1. None of the above choices .
2. They are discussing energy use .
3. They are discussing borrowers of student loans .
Answer: 0

Question: What topic is the narrator discussing ?
Options:
0. They are discussing energy use .
1. They are discussing the intersection of finance and politics .
2. They are discussing borrowers of student loans .
3. None of the above choices .
Answer: 1