(10 points) The following is a quote from Putting the capital into capitalism, The Economist, 25 July 2020. The FSB [Financial Stability Board - a grouping of regulators] has tried to identify the financial firms most susceptible to sudden, bank-like liquidity or solvency panics, and which pose a systemic risk to the economyThe riskiest types of shadow banks, says the FSB, include [1] fixed-income funds and money-market funds, which are large in America; [2] companies that make loans and might be dependent on short-term funding, such as retail-mortgage or consumer credit providers; Using the brief description above and what you have learned in this course, explain why these two types of FIs might be susceptible to sudden, bank-like liquidity or solvency panics (i.e. runs).