y vulnerable to declines in housing prices. 16 EFTA00316744 Case 1:08-cv-02793-RWS Document 102 Filed 02'27)09 Page 32 of 347 2. Bear Stearns' RMBS Business 64. After Bear Stearns acquired a sufficiently large pool of risky mortgages to securitize, it took the individual nonprime home loans and wrapped