أرسل هذا في رسالة قصيرة: Sources of risk in housing finance systems: Lessons from market and regulatory failures

 __   _      ___     _    _     ______    ____    
| || | ||   / _ \\  | \  / ||  /_   _//  |  _ \\  
| '--' ||  / //\ \\ |  \/  ||   -| ||-   | |_| || 
| .--. || |  ___  ||| .  . ||   _| ||_   | .  //  
|_|| |_|| |_||  |_|||_|\/|_||  /_____//  |_|\_\\  
`-`  `-`  `-`   `-` `-`  `-`   `-----`   `-` --`