The subprime mortgage crisis was caused by hedge funds, banks, and insurance companies. The first two created mortgage-backed securities. The insurance companies covered them with credit default swaps. Demand for mortgages led to an asset bubble in housing.
The field of dielectrics is a branch of physics that covers how insulating materials separate different electrical charges in a capacitor. A capacitor is a device with two metal plates of opposite charges, with a dielectric insulating material in between the keeps the charges separate.
In physics, dielectric relaxation refers to the relaxation response of a dielectric medium to an external, oscillating electric field. This relaxation is often described in terms of permittivity as a function of frequency, which can, for ideal systems, be described by the Debye equation.