Mr Gillespie required surgery for a broken hip but he went into a steady decline and died in hospital about a week later.

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Exactly on September 1, 2010, when it rose nice and steadily with a little hiccup in November, but basically went all the way through February of 2011 with a nice steady rise.

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But what happened was -- is that when the housing market started going down, then all these financial instruments that were built on a steady stream of payments for mortgages, they all went bust, and that helped to trigger the entire crisis.

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This steady stream lasted 5 or 6 minutes before the sirens went off, indicating a tornado on the ground.

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