What was the effect on the financial market, looking at this graph?

FIGURE 2 Credit risk returns to normal The risk premium between mortgages and U.S. Treasury bonds, December 2007-April 2012 Risk premium (in percent) 2.5% 2% 1.5% 1% 0.5% 0 TARP money starts to flow into the financial sector Dec-07 Jun-08 Dec-08 Jun-09 Dec-09 AAA bonds Mortgages Jun-10 Dec-10 Jun-11 Source: Calculations based on "H.15 Release-Selected Interest Rates," available at http://www.federalreserve.gov/releases/H15/. Dec-11