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38:47 ECN 135: Lecture 7, Part 3 ECN 135: Lecture 7, Part 3	ECN 135: Lecture 7, Part 3 Lecture 7: Banking Industry: Structure, Competition, and Crises (Part 3 of 3) crisis mortgage credit stock market recession depression debt banks housing kind spread borrowers bonds problem increase mortgages bank decrease obligations From Kristin Van Gaasbeck 0 likes 67 plays 0