请问from buy-and-hold to Originate-to-distrubute这个部分中，提到：Borrowers benefited from the expansion of available credit and product opotions, as well as from the lower borrowing costs怎么理解？
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课件中写到市场流动性风险有endogenous和exogenous两种，能对这两种分别举例吗
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如何理解old compensation schemes were structured like call options for executives:
unlimited upside but capped on the downside.
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怎么理解EVT理论中的expected shortfall is the EL of tail distribution这句话？
