Malawi pushed for a winner as the second half wore on but were unable to add to the score and Ivory Coast secured the point they required for qualification.
At that point they were back on course for the finals with only a point required, but Croatia struck again -- and Russia confirmed their qualification with a slender 1-0 victory in Andorra.
That policy started with the CRA, which required banks to lend throughout the entire geographic area in which they operate, including the poorest neighborhoods where qualification for credit under traditional standards was quite limited.