Here is a question about this article: 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 the answer to this question: What is the financial innovation that bundles subprime mortgages?
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So... mortgage-backed securities (MBS)

Here is a question about this article: For temperature studies, subjects must remain awake but calm and semi-reclined in near darkness while their rectal temperatures are taken continuously. Though variation is great among normal chronotypes, the average human adult's temperature reaches its minimum at about 05:00 (5 a.m.), about two hours before habitual wake time. Baehr et al. found that, in young adults, the daily body temperature minimum occurred at about 04:00 (4 a.m.) for morning types but at about 06:00 (6 a.m.) for evening types. This minimum occurred at approximately the middle of the eight hour sleep period for morning types, but closer to waking in evening types.
What is the answer to this question: At what time does the average adult human reach his lowest temperature?
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So... 05:00

Here is a question about this article: In June, the fleets transported the Allied expeditionary forces to Varna, in support of the Ottoman operations on the Danube; in September they again transported the armies, this time to the Crimea. The Russian fleet during this time declined to engage the allies, preferring to maintain a "fleet in being"; this strategy failed when Sevastopol, the main port and where most of the Black Sea fleet was based, came under siege. The Russians were reduced to scuttling their warships as blockships, after stripping them of their guns and men to reinforce batteries on shore. During the siege, the Russians lost four 110- or 120-gun, three-decker ships of the line, twelve 84-gun two-deckers and four 60-gun frigates in the Black Sea, plus a large number of smaller vessels. During the rest of the campaign the allied fleets remained in control of the Black Sea, ensuring the various fronts were kept supplied.
What is the answer to this question: How many 60-gun frigates did the Russians lose in the Black Sea?
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So...
four