her house values means that lenders could lend out even bigger mortgages， and it also gave lenders some protection against foreclosures. all of this translates into more money for the lenders， insurers， and investors. unfortunately， many borrowers got slammed when their adjustable mortgage finally adjusted. when too many of them couldn‘t afford to make their payments， it causes these lenders to suffer from liquidity issue and to sit on more foreclosures than they could sell. mortgage-backed securities became more risky and worth less causing investment firms like lehman brothers to suffer.
moreover，insurers like aig who insured these bad mortgages also got in trouble. the scheme （体系，结构）worked well， but it reverses course and is now coming back to hurt everyone with a vengeance.