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A hypothesis is
Congressional Republicans
Members of the Republican Party in the United States Congress, which consists of the Senate and the House of Representatives.
Gay Marriage
The legal or socially recognized marriage between two individuals of the same sex, also known as same-sex marriage.
Subprime Mortgages
These are home loans granted to borrowers with lower credit ratings, implying higher risk for the lender and typically coming with higher interest rates.
Down Payments
A down payment is the initial, upfront portion of the total amount due, often associated with the purchase of expensive items like a home or a car, which is not financed through a loan.
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