The Subprime Mortgage Market article summary

please summarize each article in the website in one page. so Three pages in total

I upload an article, and there are two articles links below.

Please answer these questions in the summary

a- What is the main topic in this article ?

b- What are the main ideas of this article ?

c- What is the conclusion or opinions of this article ?

• The Subprime Mortgage Market (May 2007)…

• Housing Bubbles and Homeownership Returns (June 2012)…