Financial analysts are largely unified in the belief that a vast array of factors combined to create the recent financial crash - the largest since the infamous 1930s Great Depression. Whilst a single reason or event can't be pinned down, a perfect storm of risky 'casino banking', fraudulent practices, property price bubbles and competitive sub-prime lending all combined (with a few others as well) to bring about a crash - the effects of which are still being felt many years later.