I need help answering these questions below,

Interest rates are influenced by various factors reflecting the demand for funds and the supply of funds available in the credit markets. Need a short essay in which you identify the key factors that changed the demand for and supply of funds during the credit crisis and offer an explanation for why those factors caused a major decline in market interest rates. What lessons may be learned from the credit crisis that could prevent such an abrupt decline in the demand for funds in the future?