The Motley Fool – I know the subprime-lending crisis came about from too many risky loans being made to too many risky borrowers. Even though I haven’t taken out any subprime mortgages, I also know that the crisis is having a significant effect on millions of people, as well as on lots of financial companies, including big names Citigroup (NYSE: C – News), Capital One (NYSE: COF – News), Merrill Lynch (NYSE: MER – News), Bear Stearns (NYSE: BSC – News), and Lehman Brothers (NYSE: LEH – News).