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Can someone really explain these in easy terms. So people started getting mortgages, but my book says People did not plan to hold them. "After taking a generous fee for originating the loans, they planned to sell them to Wall Street banks which were in the business of pooling mortgages and...

if the question is dx/dt = -0.05x+0.25 x=5 is this a stable or unstable equilibrium? why?? I really don't get this at all.