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.
If it is possible to answer this question, answer it for me (else, reply "unanswerable"): What agency failed to accurately price risk involved in mortgage-related financial products?
Ah, so.. credit rating agencies

The biggest Presbyterian church is the National Presbyterian Church in Mexico (Iglesia Nacional Presbiteriana de Mexico), which has around 2,500,000 members and associates and 3000 congregations, but there are other small denominations like the Associate Reformed Presbyterian Church in Mexico which was founded in 1875 by the Associate Reformed Church in North America. The Independent Presbyterian Church and the Presbyterian Reformed Church in Mexico, the National Conservative Presbyterian Church in Mexico are existing churches in the Reformed tradition.
If it is possible to answer this question, answer it for me (else, reply "unanswerable"): In what year was the Associate Reformed National Church formed?
Ah, so.. unanswerable

Spanish Supreme Court is the highest court for all cases in Spain (both private and public). Only those cases related to human rights can be appealed at the Constitutional Court (which also decides about acts accordance with Spanish Constitution).
In Spain, high courts cannot create binding precedents; however, lower rank courts usually observe Supreme Court interpretations. In most private law cases, two Supreme Court judgements supporting a claim are needed to appeal at the Supreme Court.
Five sections form the Spanish Supreme court:
If it is possible to answer this question, answer it for me (else, reply "unanswerable"): What are five Supreme Court judgement supporting a claim needed for?
Ah, so..
unanswerable