Provide a stepwise curved arrow mechanism for the following reaction. 
Definitions:
Subprime Mortgage Market
The market for loans to borrowers with lower credit ratings, implying higher risk for lenders and typically resulting in higher interest rates.
Recession of 2001
A brief economic downturn in the United States that began in March 2001 and ended in November 2001, marked by the bursting of the dot-com bubble.
Subprime Mortgage Market
A segment of the mortgage market that caters to individuals with poor credit histories who are considered higher risk borrowers.
Low-income Individuals
persons or groups with earnings significantly below the median level of income for their society or geographic area.
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