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as a set of actions and conditions that were fundamental attributes of a financial crisis and ensuing recession, which become evident and visible in 2008. Some of the actions or factors that contributed to this crisis of rise and fall of housing costs are attributed of the securities held by the financial institutions. The ensuing years leading to the crisis, the United States had received large sums of money in terms of foreign loans from fast developing economies such as Asia and other oil manufacturing nations (Rao, and Sisodiya, 11). The huge inflow of foreign funds and low U.s rates of interest between 2002 and 2004 is attributed to the volatile milieu characterised by easy credit conditions. This environment is immensely attributed to the housing and credit bubbles. However, the immediate cause of the subprime crisis was the bursting of the US’s housing bubble. The bubble peaked between 2005 and 2006.

The crisis was characterized by an increase in subprime mortgage negligence and foreclosure, and the consequent decrease of securities that were guaranteed by the said mortgages. The mortgages included the mortgage-backed securities (MBS) and the collateralized debt obligations (CDO). The securities offered attractive incentives and rates of return in the beginning. nonetheless, the abnormally low credit factor eventually resulted to substantial defaults (Rao, and Sisodiya, 27). Fundamentally, the crisis is connected to numerous factors. however, the primary ones include the inability of homeowners to submit the mortgage payments due to predatory lending and speculation factors. Other factors include high level of personal and corporate debts, poor monetary and housing policy, global imbalances and inapt government regulation, which aimed at expanding homeownership. It is imperative to note that, the MBS, CDO and credit default swap caused the disproportionate housing debt.

For the case of the home sellers and business people, the increase and sharp fall of

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Such materials become considered inappropriate for use in joints.

Mechanical characteristics – these materials must exhibit characteristics which enhance the functioning of the particular component which they are used to make. Tensile strength of materials, for example, remains an important characteristic for materials used in making the femoral stem of the artificial joint. The mechanical characteristics are the main causes of failures commonly observed in these joints.

Material density and reproducibility – this are an essential element of concern because of the need to make repairs to artificial joints that might be damaged. The prosthetic quality of the material must remain consistent in order to make repairing easy, should damage to the joint occur.

Magnetism – when seeking to establish an appropriate material for artificial hip replacement materials it is important to consider the magnetism of the materials. Material utilized for this function should not exhibit any ferromagnetic behaviors (Gibbons, 33). This is mainly because of the requirements to use MRI spectroscopy to study the joint in future. Magnetic materials make this spectroscopy method inapplicable.

Toxicity – artificial materials sometimes produce toxic substances which could affect the body parts. The reaction of some materials with the body parts commonly results in the generation of toxic substances which harm the body parts next to the artificial implant.

Femoral stem – the femoral stem fits into the femur bone. There is need to make considerations of the corrosion characteristics of the materials which are utilized in the manufacturing of the femoral stem. Cobalt chromium and titanium are the major alloy components for the material which is utilized for making this component. This alloy remains highly resistant to corrosion and fatigue which results from increased use of the