Madoff admitted he had been defrauding thousands of clients since the early 1990s - operating a classic Ponzi scheme - using the money that new customers invested to pay those who wanted to withdraw funds.

VOA: standard.2009.03.12

Since the 1990s, we've seen a proliferation of new kinds of mortgages that especially are offered to low-income people by certain lenders.

从20世纪90年代,我们看到一种新型抵押贷款在快速发展,它由特定贷款人向低收入人群发放

耶鲁公开课 - 金融市场课程节选

It has suddenly shot up in the latest years; this is since the late 1990s.

它在近几年突然上升,这是自90年代以来的数据

耶鲁公开课 - 金融市场课程节选