Problem: Many causes for the financial crisis have been suggested, with varying weight assigned by experts. The U.S. Senate's LevinCoburn Report concluded that the crisis was the result of "high risk, complex financial products; undisclosed conflicts of interest; the failure of regulators, the credit rating agencies, and the market itself to rein in the excesses of Wall Street." The Financial Crisis Inquiry Commission concluded that the financial crisis was avoidable and was caused by "widespread failures in financial regulation and supervision", "dramatic failures of corporate governance and risk management at many systemically important financial institutions", "a combination of excessive borrowing, risky investments, and lack of transparency" by financial institutions, ill preparation and inconsistent action by government that "added to the uncertainty and panic", a "systemic breakdown in accountability and ethics", "collapsing mortgage-lending standards and the mortgage securitization pipeline", deregulation of over-the-counter derivatives, especially credit default swaps, and "the failures of credit rating agencies" to correctly price risk. The 1999 repeal of the Glass-Steagall Act effectively removed the separation between investment banks and depository banks in the United States. Critics argued that credit rating agencies and investors failed to accurately price the risk involved with mortgage-related financial products, and that governments did not adjust their regulatory practices to address 21st-century financial markets. Research into the causes of the financial crisis has also focused on the role of interest rate spreads.
Which act was repealed in 1999 effectively removing the separation between investment and deposit banks?
The answer is the following: Glass-Steagall Act

Problem: The subsequent Slave dynasty of Delhi managed to conquer large areas of northern India, while the Khilji dynasty conquered most of central India but were ultimately unsuccessful in conquering and uniting the subcontinent. The Sultanate ushered in a period of Indian cultural renaissance. The resulting "Indo-Muslim" fusion of cultures left lasting syncretic monuments in architecture, music, literature, religion, and clothing. It is surmised that the language of Urdu (literally meaning "horde" or "camp" in various Turkic dialects) was born during the Delhi Sultanate period as a result of the intermingling of the local speakers of Sanskritic Prakrits with immigrants speaking Persian, Turkic, and Arabic under the Muslim rulers. The Delhi Sultanate is the only Indo-Islamic empire to enthrone one of the few female rulers in India, Razia Sultana (12361240).
What conquered large areas of northern India?
The answer is the following: Slave dynasty of Delhi

Problem: Charleston is the oldest and second-largest city in the U.S. state of South Carolina, the county seat of Charleston County, and the principal city in the CharlestonNorth CharlestonSummerville Metropolitan Statistical Area. The city lies just south of the geographical midpoint of South Carolina's coastline and is located on Charleston Harbor, an inlet of the Atlantic Ocean formed by the confluence of the Ashley and Cooper Rivers, or, as is locally expressed, "where the Cooper and Ashley Rivers come together to form the Atlantic Ocean."
What river mergers with the Cooper River to form Charleston Harbor?
The answer is the following: Ashley Rivers

Problem: Mu'awiyah introduced postal service, Abd al-Malik extended it throughout his empire, and Walid made full use of it. The Umayyad Caliph Abd al-Malik developed a regular postal service. Umar bin Abdul-Aziz developed it further by building caravanserais at stages along the Khurasan highway. Relays of horses were used for the conveyance of dispatches between the caliph and his agents and officials posted in the provinces. The main highways were divided into stages of 12 miles (19 km) each and each stage had horses, donkeys or camels ready to carry the post. Primarily the service met the needs of Government officials, but travellers and their important dispatches were also benefitted by the system. The postal carriages were also used for the swift transport of troops. They were able to carry fifty to a hundred men at a time. Under Governor Yusuf bin Umar, the postal department of Iraq cost 4,000,000 dirhams a year.
In kilometers, how far apart was each stage of the Umayyad highways?
The answer is the following:
19