The key aspect of this crisis has been housing, Dimon said. And he said right now there are not any Alt-A mortgages being created.

此次危机爆发的关键因素是是房贷，目前，没有再诞生其他的次级抵押贷款。

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The company spent the quarter trying to limit its exposure to alt-A mortgages, subprime mortgages, commercial real estate and leveraged loans.

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As a regulator, Bair asked how much exposure the banks under her aegis had in subprime and Alt-A mortgages, which were the riskiest loans to make.

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These Alt-A mortgages include loans to people with spotty credit histories and so-called "liar's loans, " which do not require borrowers to fully document income or assets on their loan application.

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