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             ___     _    _    __   __   _    _   
  ____      / _ \\  | |  | ||  \ \\/ // | \  / || 
 |    \\   | / \ || | |/\| ||   \ ` //  |  \/  || 
 | [] ||   | \_/ || |  /\  ||    | ||   | .  . || 
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 |_|`-`     `---`   `-`   `-`    `-`'   `-`  `-`  
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Text this: CATEGORIES OF REASONS BEHIND SUBPRIME MORTGAGE CRISIS 2007-2008 AND ITS APPLICATION IN FUTURE