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The financial crisis is the breakdown of trust that occurred between banks the year before the 2008 financial crisis. It was caused by the subprime mortgage crisis, which itself was caused by the unregulated use of derivatives. The major causes of the initial subprime mortgage crisis and following recession include international trade imbalances and lax lending standards contributing to high levels of developed country household debt and real-estate bubbles that have since burst; U.S. government housing policies; and limited regulation of non-depository financial institutions.
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<h3>Our human ancestors, who looked like a cross between apes and modern humans, had access to food, water and shady shelter at a site in Olduvai Gorge, Tanzania. ... "It was a very stressful life because they were in continual competition with carnivores for their food."</h3>
Substance abuse affects and costs the individual, the family, and the community in significant, measurable ways including loss of productivity and unemployability; impairment in physical and mental health; reduced quality of life; increased crime; increased violence; abuse and neglect of children; dependence on non-familial support systems for survival; and expenses for treatment. The physical and mental health and social consequences of alcohol and other drug use by women can seriously affect their lives and those of their families (HHS/SAMHSA, 1997a). Not only are women, especially young women, beginning to close the gap between female and male consumption of alcohol and other drugs, they suffer earlier and more serious consequences. Women become intoxicated and addicted more quickly than men and develop related diseases earlier (National Center on Addiction and Substance Abuse, 1996).
