COCKBURN: Well, that’s right. And what made that possible—I mean, it used to be that you went and got a mortgage, and the bank that you got the mortgage from and the mortgage lender, they owned the loans. So they were very interested in whether you paid it off or not. So they took a good look at, you know, your income and, you know, how likely you were to repay the loan. What changed all that was this magical process called securitization. Well, it’s a selling—when the banks ...
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