Prior to the crisis, financial institutions became highly leveraged, increasing their appetite for risky investments and reducing their resilience in case of losses. Much of this leverage was achieved using complex financial instruments such as off-balance sheet securitization and derivatives, which made it difficult for creditors and regulators to monitor and try to reduce financial institution risk levels. These instruments also made it virtually impossible to reorganize financial institutions in bankruptcy, and contributed to the need for government bailouts.
What type financial instruments are off-balance sheet securitization and derivatives?
complex

Miami is a major television production center, and the most important city in the U.S. for Spanish language media. Univision, Telemundo and UniMAS have their headquarters in Miami, along with their production studios. The Telemundo Television Studios produces much of the original programming for Telemundo, such as their telenovelas and talk shows. In 2011, 85% of Telemundo's original programming was filmed in Miami. Miami is also a major music recording center, with the Sony Music Latin and Universal Music Latin Entertainment headquarters in the city, along with many other smaller record labels. The city also attracts many artists for music video and film shootings.
What is the name of the business that produces a significant portion of Telemundo's original programming?
Telemundo Television Studios

Although the Founding Fathers of the United States did not originally intend for American politics to be partisan, early political controversies in the 1790s over the extent of federal government powers saw the emergence of two proto-political parties- the Federalist Party and the Democratic-Republican Party, which were championed by Framers Alexander Hamilton and James Madison, respectively. However, a consensus reached on these issues ended party politics in 1816 for a decade, a period commonly known as the Era of Good Feelings.
Who were the leaders of the Federalist and Democratic-Republican parties?
Framers Alexander Hamilton and James Madison