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Nice article. Please can you simplify a little on the following - what lead to the fall in the real estate market? Coz from what I've read the real estate market has grown exponentially globally. Especially in India, property prices have only risen. & then yet again, dont banks have pre-checks for the borrowers which accordingly determine the category the borrowers fall into (for example - prime, sub prime). We here in India, the monthly payments for a housing loan is an ACH debit from our bank accounts, mostly at the beginning of the month for salaried borrowers. Maybe you could reference a follow up done for Lehman Brothers.