Which of the following was NOT contributing factors to the financial crisis of 2007- 2009 i. Low interest rates. ii. Excessive risk-taking in financial institutions. iii. New financial instruments that offered higher returns and higher risk. iv. High housing price index. v. Over-optimistic ratings by the credit rating agencies. vi. The increasing complexity and inter-connectivity of financial instruments vii. Easy availability of mortgages viii. Mortgages being sold on by their originating organization and not being kept on its books as an asset/liability i, ii, v Oi, iii, iv ii, iv, vi Ov, vi, vii