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The subprime mortgage and financial crisis has shaken the foundations of the financial industry by causing the failure of many iconic Wall Street investment banks and several prominent depository institutions. This crisis has stymied credit extension to households and businesses thus creating credit crunches and, ultimately, a global recession. This text describes some of the most important aspects of the subprime mortgage crisis (SMC) such as residential mortgage loan (RML) extension, RML securitisation, subprime risks, bank bailouts as well as Basel capital regulation in a stochastic...

Molecular biology is a merger between biochemistry and genetics that undertakes the study of the molecular fundamentals of metabolism of the genetic material (i.e.: replication, the transcription and translation and its manipulation for the benefit of life). Molecular biology is the molecular three-dimensional structural studying approach of biology as reflected on genesis and function to search below the large-scale manifestations of classical biology. The recent merge of molecular biology and computer science developed bioinformatics and computational biology. The study of gene structure...