IN: 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 .
What topic is the narrator discussing ?

OUT: They are discussing the intersection of finance and politics .

IN: It was AWESOME ! Then SoundGuy came home and ruined it all . But at least I had my morning ! Yesterday , our data retrieval guy called and reported he was able to get everything off our crashed drive .
What has led the data retrieval guy to try to recover the files from the damaged hardrive ?

OUT: He has been paid by the speaker to recover important photos and files that they have lost

IN: DEATH to the person who keeps sneaking up behind me and turning off my AC ! I was beginning to wonder what was wrong with me . I was nodding off like woah . And while what I ' m doing is boring as hell , I have coffee and tunes .
What may happen after the a.c . is turned off ?

OUT:
I start sweating .