Select all of the following statements that are true regarding the financial crisis:

1. The financial crisis in 2008 has resulted in the permanent ban of MBSinvestments.
2. Banks lent money to prospective homeowners at rates that were too low, so the banks ran out of money.
3. The 2008 financial crisis was not just a result of MBS investment portfolios but also synthetic CDOs, whose performance was based off the success of the original assets.
4. Predatory lending practices consisted of banks giving out loans with adjustable rates that could give the borrower affordable rates at first but then rates could materially increase on adjustment date.
5. The implementation of new policies and the lessons learned from previous financial crisis will prevent us from experiencing any more financial crisis in the future.
6. Borrowers with poor credit were screened out and couldn't buy the homes they wanted leading up to the 2018 financial crisis.
7. ARM loans and MBSs together were major contributors in the 2008 financial crisis.
8. A financial crisis can be associated with investors panicking and selling off assets in fear of the value of those assets dropping.
9. Credit agencies such as Moodys tried their best to rate the mortgage-backed securities properly during the 2008 financial crisis but just came up short despite their best effort.
10. Historically, we have seen that tight monetary policy and high interest rates leads to financial crisis.