In a rather remarkable collective mea culpa, the G-20 leaders, following their emergency summit in November, issued a joint diagnosis of "the roots of the current crisis" in world financial markets. Market participants souht higher yields witholut an adequate appreciation of the risks and failed to exercise proper due diligence. At thesame time, weak underwriting standards, unsound risk management practices, increasingly complex and opaque financial products, and consequent excessive leverage combined to create vulnerabilities in the system.
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