6 . ▁ ▁Pear ce , ▁James ▁E ., ▁and ▁James ▁C . ▁Miller ▁III . ▁" F red die ▁Mac ▁and ▁F ann ie ▁Ma e : ▁Their ▁Fund ing ▁Adv antage ▁and ▁Ben ef its ▁to ▁Cons um ers ." ▁Fred die ▁Mac , ▁Mc Le an , ▁V A , ▁January ▁ 9 , ▁ 2 0 0 1 . ▁ ▁Pe ek , ▁Joe , ▁and ▁James ▁A . ▁Wil co x . ▁" Second ary ▁Mort g age ▁Mark ets , ▁G SE s , ▁and ▁the ▁Ch anging ▁Cy clic ality ▁of ▁Mort g age ▁Flow s ." ▁In ▁Research ▁in ▁Fin ance , ▁edited ▁by ▁John ▁K ens inger , ▁ 6 1 - 8 0 . ▁Brad ford , ▁West ▁York shire : ▁Emer ald ▁Group ▁Publishing ▁Limited , ▁ 2 0 0 3 . ▁ ▁Pen ning ton - C ross , ▁Anthony . ▁Sub prime ▁& ▁Prime ▁Mort g ages : ▁L oss ▁Distribution s . ▁OF HE O ▁Working ▁P aper ▁Number ▁ 0 3 - 1 , ▁Office ▁of ▁Federal ▁H ous ing ▁Enter prise ▁O vers ight , ▁Department ▁of ▁H ous ing ▁and ▁Urban ▁Development , ▁Washington , ▁DC , ▁ 2 0 0 3 . ▁ ▁Pet erson , ▁Christopher ▁Lewis . ▁" F ann ie ▁Ma e , ▁Fred die ▁Mac , ▁and ▁the ▁Home ▁Mort g age ▁Fore closure ▁Cris is ." ▁Lo y ola ▁University ▁New ▁Orleans ▁Journal ▁of ▁Public ▁Interest ▁Law ▁ 1 0