Problem: Question: "What was lacking?" Context: "Others have pointed out that there were not enough of these loans made to cause a crisis of this magnitude. In an article in Portfolio Magazine, Michael Lewis spoke with one trader who noted that "There weren't enough Americans with [bad] credit taking out [bad loans] to satisfy investors' appetite for the end product." Essentially, investment banks and hedge funds used financial innovation to enable large wagers to be made, far beyond the actual value of the underlying mortgage loans, using derivatives called credit default swaps, collateralized debt obligations and synthetic CDOs." Answer:

A: Americans with [bad] credit

Problem: Question: "What is Russia referred to in the text" Context: "The Estonian Academy of Sciences is the national academy of science. The strongest public non-profit research institute that carries out fundamental and applied research is the National Institute of Chemical Physics and Biophysics (NICPB; Estonian KBFI). The first computer centres were established in the late 1950s in Tartu and Tallinn. Estonian specialists contributed in the development of software engineering standards for ministries of the Soviet Union during the 1980s. As of 2011[update], Estonia spends around 2.38% of its GDP on Research and Development, compared to an EU average of around 2.0%." Answer:

A: the Soviet Union

Problem: Question: "What day and month does daylight savings time begin in Chile?" Context: "Beginning and ending dates are roughly the reverse in the southern hemisphere. For example, mainland Chile observed DST from the second Saturday in October to the second Saturday in March, with transitions at 24:00 local time. The time difference between the United Kingdom and mainland Chile could therefore be five hours during the Northern summer, three hours during the Southern summer and four hours a few weeks per year because of mismatch of changing dates." Answer:

A: second Saturday in October

Problem: Question: "What do arbiters use to make a decision?" Context: "International tribunals and arbiters are often called upon to resolve substantial disputes over treaty interpretations. To establish the meaning in context, these judicial bodies may review the preparatory work from the negotiation and drafting of the treaty as well as the final, signed treaty itself." Answer:

A:
the preparatory work from the negotiation and drafting of the treaty as well as the final, signed treaty itself