Over the past year and a half, there has been much technology consolidation. There is renewed focus on taking what you have and making it work better (or work at all). Lenders are risk-averse and very fiscally conservative, which resulted in minimal new technology deployments. Vendors and service providers continue to innovate and provide new and higher levels of service to maintain and strengthen existing relationships and create new ones. The collateralized debt obligation and credit default swap markets grew together at an astronomical pace, going from $920 billion to $62 trillion and from $275 billion to $4.7 trillion. As widespread defaults started mounting, the ratings agencies, which were assigning the AAA ratings, started to get questioned, and the global financial engine melted down.