This was Mohammed's day off from her job as a housekeeper at the Ritz-Carlton in the heart of Atlanta, and her first chance to rest after having taken extra shifts over the holidays to earn additional money.
Steven Schwarcz, a professor at Duke University and writer on securitisation, has come across contracts which are so convoluted that it would be impractical for investors to try to understand them: they would have to spend more money hiring experts to deconstruct them than they could ever hope to earn in extra returns.