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Was it a systemic problem?
"We viewed the role of the ratings agencies as having been significant in the problem of subprime-related debt, and even more so in making it a systemic problem," Herring says of the FER analysis.
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It is a systemic problem; it is a product of how athletes are set up to fail in sports by our pushing them towards transcending human limits with limited means.
It was obvious that it was a systemic problem".
When it was forced to liquidate in May, with more than 500 such group loans on its books, it caused a systemic problem for other banks in the state.
He argued there was no element of the accident which gave the coroner reason to think it "illustrated a systemic problem or that it might call for some specific response".
"It's a systemic problem that the prosecutors are part of the justice system which does not value African-American or other people of color's lives when they're taken by the police," Attorney Flint Taylor of the Chicago-based People's Law Office told The Huffington Post.
"It is a systemic problem".
"It's a systemic problem," says Davies.
"It's a systemic problem," the group said.
"If something has fallen apart here, it is a systemic problem".
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