. . . consider the following paragraph from [Thomas Sowell’](https://en.wikipedia.org/wiki/Thomas_Sowell)s 2009 book [The Housing Boom and Bust](https://en.wikipedia.org/wiki/The_Housing_Boom_and_Bust):
>Since Fannie Mae and Freddie Mac had quotas set for them by the Department of Housing and Urban Development to buy mortgages that lenders had made with borrowers in what was called “the underserved population” – people whose financial situation or credit history made them less likely to get conventional mortgages – these government-sponsored enterprises could accept these mortgages, earning the higher rates of return that such riskier investments paid, secure in the knowledge that the federal government was almost certain to rescue them in the event of serious trouble.