The whole time , all the way until it is done . Assuming you are making KoikuchiWhen all fermentation is done ~ 1 year later , you press the soy sauce from the mushed up bean goo . Good luck on the rest of the journey . <| sep |> I had the same issue when I took GenuTax for a test drive . According to CRA if you want a desktop version that does autofill your two options are StudioTax and TurboTax . arc . gc . canetfilesoftware <| sep |> They didn ' t have to default at higher rates to spoil the mortgage backed security pools they were tranched in . lol wutIf its loans don ' t default , then the MBS is , by definition , perfectly fine . Do I have to pull video of Barney Frank saying there ' s no problem with housing while the Bush white house goes to congress no less than 17 times in an attempt to solidify fannie and freddie before the collapse ? You can post whatever you like , but the GSEs are irrelevant . Conforming loans were not the problem , because they did not default at meaningful rates . The GSEs ran into trouble as a result of the crisis , when loan demand collapsed and dried up their revenue stream . They played little to no role in the bad lending .