Alarge bailout os savings and loans institutions became necessary in 1990 when it was discovered that nearly 2000 of them were insolvent and facing closure. one of the causes of this crisis was

One of the leading causes of this "Savings and Loan Crisis" was that several years earlier the Federal Reserve had increased interest rates in order to help curb inflation, which eventually made it impossible for many banks to to gain enough capital to repay loans. 

Communicating with the dead was common, it wasn’t seen as bizarre or weird,” explains murch. “it’s hard to imagine that now, we look at that and think, ‘why are you opening the gates of hell? ’