One of the causes for America's 2009 economic crisis was the invention of subprime mortgages, for 'second class' clients, who previously did not have access to credits, but the innovation of securitizing these mortgages arose, clients paid only interest the first years, making the quotas lower, but the interest rates were variable and then they were increasing and the salaries were being eaten by those payments, the central bank allowed the rules of the game to be changed, because of the crisis that was coming, this left thousands of Americans unemployed and without homes. In all this the government did not intervene favorably, on the contrary, after a while it helped the financial system to recover, but no citizen could do it.
Answer:
which had been lurking under the water
subordinate clauses always start with a subordinating conjunction, and in this sentence, the conjunction is which. so the answer is "which had been lurking under the water"
Answer:
Explanation
:Some examples of literary nonfiction include personal journals, diaries, memoirs, letters, and essays.
