Mark Baum and Vinny Daniel confront a representative from Standard & Poors regarding the refusal to downgrade failing subprime mortgage bonds. The tension peaks when Georgia admits that the agency provides high ratings simply to prevent banks from taking their business to competitors, exposing the systemic corruption of the financial crisis.
GEORGIA: I can't see a damn thing. My eye doctor's always busy. I end up taking any appointment they'll give me and then the whole morning gets shot to hell. Alrighty. So. FrontPoint Partners. How can Standard and Poors help you?
VINNY: We don't understand why the ratings agencies aren't downgrading subprime bonds, since the underlying loans are deteriorating.
GEORGIA: Well, delinquency rates have people worried, but they're actually within our models.
MARK: Models that you share with the banks. Couldn’t they be gaming them?
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Director's Notes
Audition scenes from The Big Short for drama actors. This confrontational group scene features Mark Baum and Vinny Daniel clashing with a ratings agency rep over subprime mortgage bonds. Perfect for actors seeking cynical, revealing dialogue.
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More from The Big Short
Scene 16 — Explaining Subprime Mortgages
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A fourth-wall-breaking explanation of how mortgage-backed securities transitioned from government-guaranteed bonds to risky 'subprime' private bonds. The character simplifies complex financial jargon for the audience while in a casual setting.
The Mortgage Brokers' Confession
from The Big Short
Mark Baum and his team interview two arrogant mortgage brokers to understand the reality of the housing market. The brokers boast about their predatory lending practices and the lack of oversight, confirming Mark's fears about a systemic financial collapse.
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