1) Can you summarize the key points of the article "Enhancing Monitoring of NBFI Exposure: The Case of Open-End Funds" by Nicola Cetorelli and Debashish Sarkar? 2) How does the article relate to the consumption and goods market equilibrium? 3) Based on the information in the article, does it increase or decrease the reader's confidence in using the lifecycle model (and permanent income hypothesis) to understand how individuals make consumption decisions? 4) How the reader's beliefs affect the overall changes in consumption for the economy as a whole? Do all individuals react similarly, or does the information make it more difficult to predict and analyze the aggregate changes in consumption?