Things that cause the housing market to drop in stock prices and loans are because were building too many houses and people arent buyin them as much as we should so that means the people who were payin the other people too build all these houses are losing money cuz we arent buyin the houses but before the people build these houses certain people have to pay those people who build the houses first and than the people who payed them get there money back by the people who are buyin theses houses through banks and stuff the federal government took over fannie mae and freddie mac because they needed more money to get thee company back to date i guess the gorvernment give AIG money because there a better company than the lehman brothers company i dont know the rationale for the decisision the people made at the end of the film.