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The term financial innovation refers to the ongoing development of financial products designed to achieve particular client objectives, such as offsetting a particular risk exposure (such as the default of a borrower) or to assist with obtaining financing. Examples pertinent to this crisis included: the adjustable-rate mortgage; the bundling of subprime mortgages into mortgage-backed securities (MBS) or collateralized debt obligations (CDO) for sale to investors, a type of securitization; and a form of credit insurance called credit default swaps (CDS). The usage of these products expanded dramatically in the years leading up to the crisis. These products vary in complexity and the ease with which they can be valued on the books of financial institutions.
What is an example of financial innovation pertinent to the financial crisis?
A: adjustable-rate mortgage

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On August 31, 1886, Charleston was nearly destroyed by an earthquake. The shock was estimated to have a moment magnitude of 7.0 and a maximum Mercalli intensity of X (Extreme). It was felt as far away as Boston to the north, Chicago and Milwaukee to the northwest, as far west as New Orleans, as far south as Cuba, and as far east as Bermuda. It damaged 2,000 buildings in Charleston and caused $6 million worth of damage ($133 million in 2006 dollars), at a time when all the city's buildings were valued around $24 million ($531 million in 2006 dollars).
What nearly destroyed Charleston in 1886?
A: an earthquake

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Unlike the American GPS, Russian GLONASS, and European Galileo systems, which use medium Earth orbit satellites, BeiDou-1 uses satellites in geostationary orbit. This means that the system does not require a large constellation of satellites, but it also limits the coverage to areas on Earth where the satellites are visible. The area that can be serviced is from longitude 70E to 140E and from latitude 5N to 55N. A frequency of the system is 2491.75 MHz.
Which is a frequency of the vehicular system?
A: unanswerable

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Sapwood (or alburnum) is the younger, outermost wood; in the growing tree it is living wood, and its principal functions are to conduct water from the roots to the leaves and to store up and give back according to the season the reserves prepared in the leaves. However, by the time they become competent to conduct water, all xylem tracheids and vessels have lost their cytoplasm and the cells are therefore functionally dead. All wood in a tree is first formed as sapwood. The more leaves a tree bears and the more vigorous its growth, the larger the volume of sapwood required. Hence trees making rapid growth in the open have thicker sapwood for their size than trees of the same species growing in dense forests. Sometimes trees (of species that do form heartwood) grown in the open may become of considerable size, 30 cm or more in diameter, before any heartwood begins to form, for example, in second-growth hickory, or open-grown pines.
What essential liquid is the sapwood tasked with carrying around a tree?
A:
water