Throughout the 1980s and 1990s, the stock market was the primary force that changes the social and economic status in America and liked to globalization all over the world, but at the end of the century the stock market was on the edge of collapsing. In 2000, the dot-com bust and also terrorist attack of September 11, 2001 brought the raising stock market to an end. Many investors and government officials struggled to recover the U.S. and Western Europe economy and promote growth. Consumers wanted to save every cent as a precaution; they did not want to buy anymore U.S. products or reinvest in stock market since retirement plans like IRA decline heavily. Government officials and private investors provided new sources of interest rate “subprime