Critics such as economist Paul Krugman and U.S. Treasury Secretary Timothy Geithner have argued that the regulatory framework did not keep pace with financial innovation, such as the increasing importance of the shadow banking system, derivatives and off-balance sheet financing. A recent OECD study suggest that bank regulation based on the Basel accords encourage unconventional business practices and contributed to or even reinforced the financial crisis. In other cases, laws were changed or enforcement weakened in parts of the financial system. Key examples include:
If it is possible to answer this question, answer it for me (else, reply "unanswerable"): It has been argued that what did not keep up with financial innovation?
Ah, so.. regulatory framework

Trading in influence, or influence peddling, refers a person selling his/her influence over the decision making process to benefit a third party (person or institution). The difference with bribery is that this is a tri-lateral relation. From a legal point of view, the role of the third party (who is the target of the influence) does not really matter although he/she can be an accessory in some instances. It can be difficult to make a distinction between this form of corruption and some forms of extreme and loosely regulated lobbying where for instance law- or decision-makers can freely "sell" their vote, decision power or influence to those lobbyists who offer the highest compensation, including where for instance the latter act on behalf of powerful clients such as industrial groups who want to avoid the passing of specific environmental, social, or other regulations perceived as too stringent, etc. Where lobbying is (sufficiently) regulated, it becomes possible to provide for a distinctive criteria and to consider that trading in influence involves the use of "improper influence", as in article 12 of the Criminal Law Convention on Corruption (ETS 173) of the Council of Europe.
If it is possible to answer this question, answer it for me (else, reply "unanswerable"): Selling influence can involve third-parties and this is called what type of relation?
Ah, so.. tri-lateral

Paper recycling processes can use either chemically or mechanically produced pulp; by mixing it with water and applying mechanical action the hydrogen bonds in the paper can be broken and fibres separated again. Most recycled paper contains a proportion of virgin fibre for the sake of quality; generally speaking, de-inked pulp is of the same quality or lower than the collected paper it was made from.
If it is possible to answer this question, answer it for me (else, reply "unanswerable"): What type of processes can only use mechanically produced pulp?
Ah, so..
unanswerable