Reading and writing fill in the blanks

Since the beginning of the financial crisis, there have been two principal explanationsdebatesexcusesexamples explanations for why so many banks made such disastrous decisions. The first is structural. Regulators did not regulate. Institutions failed to usestabilizefunctionmaintain function as they should. Rules and guidelines were either inadequate or ignored. The second explanation is that Wall Street was roughrampantirresponsibleincompetent incompetent , that the traders and investors didn't know enough, that they made extravagant bets without countingcorrectingunderstandingvaluing understanding the consequences.