(S (S (NP (BASENP (JJ Much)) (PP (IN of) (BASENP (DT the) (ADJP (NN 90) (NN minute)) (NN hearing)))) (VP (VBD focused) (PP (IN on) (NP (BASENP (JJ specific) (NNS cases)) (SBAR (WHADVP (WRB where)) (S (S (BASENP (NN interest) (NNS rates)) (VP (VBD were) (VP (VBN raised)))) (COMMA ,) (SBAR (RB allegedly) (SBAR (SBAR (IN because) (S (NP (BASENP (NN credit) (NNS scores)) (PP (IN of) (BASENP (DT the) (NN debtor)))) (VP (VBD dropped)))) (CONJP (COMMA ,) (CC and)) (SBAR (RB not) (SBAR (IN because) (S (BASENP (PRP they)) (VP (VBD were) (UCP (ADJP (JJ delinquent)) (CC or) (ADVP (ADVP (RB otherwise)) (ADVP (RB behind) (PP (IN on) (BASENP (NNS payments)))))))))))))))))) (PERIOD .))