They brought back the brand split if you remember that . <| sep |> Yes . Immediately before the NYT article racists came out of fucking nowhere . <| sep |> the Danger Ranger <| sep |> It ' s very complex , and can ' t really be distilled down to a few sentences . If you really would like a more comprehensive understanding , I would suggest reading the book Bailout Nation . In one short paragraph that I ' ll paraphrase from Bailout Nation Investors wanted a free lunch , for these packaged pieces of shit liar loans dressed up as derivative products . They believed the AAA ratings that SP , Moody ' s and Fitch slapped on the junk , the same AAA rating that the US government had except that the US government paper yielded much lower rates of interest . How would it be possible to an objective person that 2 pieces of paper with AAA ratings could have vastly different rates of interest , the junky stuff yielding 910 % and the government paper yielding 45 %? The buyers of the 910 % junk thought they were getting a free lunch .