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Engel, Kathleen C. and McCoy, Patricia A. 'The Emergence of the Subprime Market.' The Subprime Virus: Reckless Credit, Regulatory Failure, and Next Steps (New York, 2011; pubd online Apr. 2015). Oxford Scholarship Online, <http://dx.doi.org/10.1093/acprof:osobl/9780195388824.003.0002> accessed 02 Apr. 2020.