Many people are confused about why our economy went to shambles in 2008. The crisis was actually the result of a combination of many complex factors. First, easy credit conditions allowed people who were high-risk or unworthy of credit to borrow, and even people who had no income were eligible for large loans. Second, banks would bundle these toxic loans and sell them as packages on the financial market. Third, large insurance firms backed these packages, misrepresenting these high-risk loans as safe investments. Fourth, because of the ease of acquiring credit and the rapid growth in the housing market, people were buying two or three houses, intending to sell them for more than they paid. All of these factors created bubbles of speculation. These bubbles burst, sending the whole market into a downward spiral, causing employers to lose capital and lay off employees. Consumer spending then plummeted and most businesses suffered. The economy is like a big boat, and once it gets moving quickly in the wrong direction, it’s hard to turn it around.

Fire needs three things to burn: oxygen, fuel, and heat. Fuels can be wood, tinder, coal, or any other substance that will easily oxidize. Therefore, a fire can be stopped in three different ways, by removing any of the three things it needs to burn.

-The fuels can be removed. If a fire burns through all of its fuel and extra nearby fuel is removed, the fire will stop burning.

-The oxygen can be removed. This is called "smothering" a fire. Fires cannot burn in a vacuum or if they are covered in carbon dioxide.

-The heat can be removed. The most common way to remove heat is to use water to absorb that heat, putting the fire out.

Have you ever wondered what the inside of a volcano looks like? Deep underground is a magma chamber. the magma chamber is under the bedrock of the earth's crust. The conduit or pipe runs from the magma chamber to the top of the volcano. The conduit connects the magma chamber to the surface. Most volcanoes also have a crater at the top. Volcanoes are quite a sight, and you can enjoy this site all over the universe. Volcanoes are found on planets other than Earth, like the Olympus Mons on Mars.

When a river receives a lot of extra water it may flood. During a flood there is plenty of water, and most people wouldn't think that dehydration was a serious risk, but flood waters are mostly polluted and not safe to drink. People who drink the contaminated water may suffer from illnesses or diseases such as typhoid. You can prepare for flooding by filling many containers with fresh clean drinking water. You can also use sandbags to protect your house and to soak up the water. Be prepared and be safe.

Cooking the perfect pizza at home can be quite a challenge. You may find that it’s difficult to get your oven to the right temperature. If the oven is too hot the crust will burn, become hard, and taste bad. If your oven isn’t hot enough, the crust may get soggy. Even at the perfect temperature, extra moisture from your ingredients may prevent the bottom of the crust from fully cooking, but don’t let oven temperature stop you from building the pizza of your dreams. Get yourself a pizza stone. A pizza stone will get very hot when preheated and will allow your crust to fully cook without burning it. Then you can pile the ingredients on your pizza and have a crispy crust that isn’t burned. That’s the way to go.

It is fun to read about chimpanzees. All wild chimpanzees live in Africa. They live mostly in thick rain forests and in woodlands. There are two types, or species, of chimpanzees—the common chimpanzee and the bonobo, also known as the pygmy chimpanzee.