84 . 3 percent of subprime loans in 2006 were made by financial institutions not governed by the CRA . And studies have shown that the CRA increased the volume of responsible lending to low and moderateincome households . So the whole racial diversity argument is wrong . And GarnSt . Germain did indeed alter down payment rules . You ' re also forgetting about the Commodity Futures Modernization Act and the lack of regulations for newly developed instruments , such as financial derivatives and creditdefault swaps . <| sep |> Back in the 1970 ' s , my mom ' s little poodle ate about a gram of some Afghani hash I had . She was pretty groggy for about a day . <| sep |> Russian grammar makes swearing really expressive and creative , no joking .