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Which act was repealed in 1999 effectively removing the separation between investment and deposit banks?
Glass-Steagall Act

The NTFS file system used by recent versions of Windows stores the file with a UTC time stamp, but displays it corrected to localor seasonaltime. However, the FAT filesystem commonly used on removable devices stores only the local time. Consequently, when a file is copied from the hard disk onto separate media, its time will be set to the current local time. If the time adjustment is changed, the timestamps of the original file and the copy will be different. The same effect can be observed when compressing and uncompressing files with some file archivers. It is the NTFS file that changes seen time. This effect should be kept in mind when trying to determine if a file is a duplicate of another, although there are other methods of comparing files for equality (such as using a checksum algorithm).
What time will a file be set to if it's copied from the hard disk onto other media?
current local time

On 23 April 2014, the U.S. Federal Communications Commission (FCC) was reported to be considering a new rule that will permit ISPs to offer content providers a faster track to send content, thus reversing their earlier net neutrality position. A possible solution to net neutrality concerns may be municipal broadband, according to Professor Susan Crawford, a legal and technology expert at Harvard Law School. On 15 May 2014, the FCC decided to consider two options regarding Internet services: first, permit fast and slow broadband lanes, thereby compromising net neutrality; and second, reclassify broadband as a telecommunication service, thereby preserving net neutrality. On 10 November 2014, President Barack Obama recommended that the FCC reclassify broadband Internet service as a telecommunications service in order to preserve net neutrality. On 16 January 2015, Republicans presented legislation, in the form of a U.S. Congress H.R. discussion draft bill, that makes concessions to net neutrality but prohibits the FCC from accomplishing the goal or enacting any further regulation affecting Internet service providers. On 31 January 2015, AP News reported that the FCC will present the notion of applying ("with some caveats") Title II (common carrier) of the Communications Act of 1934 to the internet in a vote expected on 26 February 2015. Adoption of this notion would reclassify internet service from one of information to one of the telecommunications and, according to Tom Wheeler, chairman of the FCC, ensure net neutrality. The FCC is expected to enforce net neutrality in its vote, according to the New York Times.
what would the internet be classified as based on title ii?
telecommunications