Write a review of the article "When Safe Proved Risky: Commercial Paper during the Financial Crisis of 2007 - 2009" by Marcin Kacperczyk and Philipp Schnabl (https://pages.stern.nyu.edu/~sternfin/pschnabl/kacperczyk_schnabl.pdf). In your own words, explain the key points that the author was trying to communicate. Your review should be at least one page not counting the title or reference pages.