<prompt> Hlalosa hore na hobaneng moruo oa Amerika o ile oa putlama ka 2008nan  <response>: Instruction in English: Explain why the US economy experienced a recession in 2008 . Response in English: The US economy experienced a recession in 2008 due to a combination of factors, including the subprime mortgage crisis, a sharp decline in housing prices, and rising default rates among homeowners. These events set off a chain reaction resulting in a global financial crisis.The subprime mortgage crisis refers to the practice of banks issuing loans to borrowers with poor credit who were unable to afford the loans. Many of these subprime loans had adjustable interest rates that could suddenly spike, making it difficult for borrowers to make their payments. As a result, default rates among homeowners rose, causing a sharp decline in housing prices.Due to the interconnected nature of the global economy, the problems in the U.S. housing market spread to financial markets all over the world. Banks that had invested heavily in mortgage-backed securities and other financial instruments linked to the housing market found themselves facing massive losses. Many financial institutions failed or needed government bailouts to survive, leading to a severe contraction in credit markets.As credit markets froze and consumer confidence plummeted, demand for goods and services fell, leading to job losses, declines in economic output, and a sharp increase in the unemployment rate. This all contributed to the 2008 recession, one of the worst economic downturns in U.S. history. . Response in Sesotho: Moruo oa Amerika o ile oa putlama ka 2008 ka lebaka la mabaka a kopaneng, ho kenyelletsa le koluoa ea mekoloto ea matlo, ho theoha ho hoholo ha litheko tsa matlo, le ho phahama ha litefiso tsa beng ba matlo. Liketsahalo tsena li ile tsa baka tsitsipano e bakang mathata a lichelete lefatšeng ka bophara. The subprime mortgage crisis e bua ka mokhoa oa libanka tse fanang ka likalimo ho ba alimang ba nang le mokitlane o mobe ba neng ba sa khone ho lefella likoloto. Tse ngata tsa likalimo tsena tsa subprime li ne li e-na le phaello e feto-fetohang e neng e ka phahama ka tšohanyetso, e leng se etsang hore ho be thata ho ba alimang ho lefa. Ka lebaka leo, litefiso tsa kamehla hara beng ba matlo li ile tsa phahama, tsa baka ho theoha ho hoholo ha litheko tsa matlo. Ka lebaka la ho hokahana ha moruo oa lefatse, mathata a marakeng oa matlo a US a nametse mebarakeng ea lichelete lefatšeng ka bophara. Libanka tse neng li tsetelitse chelete e ngata ho litšireletso tse tšehelitsoeng ke mekoloto ea matlo le lisebelisoa tse ling tsa lichelete tse amanang le maraka oa matlo li ile tsa iphumana li tobane le tahlehelo e kholo. Mekhatlo e mengata ea lichelete e ile ea hloleha kapa ea hloka litefo tsa muso hore li phele, e leng se ileng sa baka khohlano e matla mebarakeng ea mekoloto. Ha mebaraka ea mekitlane e ntse e putlama me tšepo ea bareki e fokotseha, tlhokahalo ea thepa le litšebeletso e ile ea theoha, e leng se ileng sa baka tahlehelo ea mesebetsi, ho theoha ha moruo le keketseho e matla ea batho ba hlokang mosebetsi. Sena sohle se kentse letsoho ho putlama ha moruo ka 2008, e leng e ngoe ea ho putlama ho hobe ka ho fetesisa ha moruo nalaneng ea Amerika. 