GOD PLEASE HELP! Which of these is NOT a key factor that contributed to the financial crisis that started in 2007? bond rating agencies giving CDOs very low ratings, discouraging investors to invest highly

GOD PLEASE HELP!

Which of these is NOT a key factor that contributed to the financial crisis that started in 2007?

bond rating agencies giving CDOs very low ratings, discouraging investors to invest

highly leveraged investment accounts that magnified losses when bond prices decreased

excessive use of subprime mortgages to borrowers with poor credit

banks being incentivized to sell risky mortgages as mortgage-backed securities

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