You are a rancher who purchased cattle last summer. The purchase price was $2,500 for two head of cattle (2 cows). You borrowed $30,000 at 4% interest for 1 year from your bank to purchase 12 head of cattle. After feeding and taking care of your 12 cow herd, you invested about another $250 per cow. Your note has matured at the bank and is due. However, cattle prices are now $1,500 per two head of cattle. This is an example of which economic downturn process? To which stage of a financial crisis does this scenario relate?