1 “... the impact of the crisis, low growth since then, and a history of lax lending policies. Bank governance...”

2 “... investments. Brazil’s history of economic instability drives investors towards short term liquid investments...”

3 “...The Norwegian financial system has a long history of incorporating new technology. Norway...”

4 “... Program analysis reveals a history of procyclical and herding behavior in the PIC portfolios due...”

5 “... long history of incorporating technology and as for many financial systems across the globe...”