Discuss of the factors that contributed to the 2007-08 mortgage crisis. Is the factor you identify the most important factor, the most overrated factor, the most underrated factor, the most complicated factor, the most surprising factor, or some other category? Your post should comprise three to five concise paragraphs (do NOT exceed this!). Explain how the factor contributed to the crisis, and then explain why you think the importance of this factor is overrated, underrated, surprising, or misunderstood. (Note: There were of course many factors that contributed to the crisis. But, you will be wasting words if you say this. And, if you attempt to explain more than one factor your explanations will almost certainly lack the depth of content I am looking for. You only have 3 to 5 concise paragraphs to work with!).