11. Bond rating agencies are firms that estimate the _______ ____ on bonds.

12. Long-term interest rates are equal to current and expected future ______ _____ plus a _________ _______.

13. If a securitys price fully reflects all available information, the market is _________.

14. Expectations that use all available information are ________.

15. The lemons problem is an example of _______ ________.

16.Insured drivers driving recklessly is an example of _____ _______.

17. ___ ______ is the difference between a banks ______ and its __________

18. A banks return on equity is equal to ___ ______ _____ _____ divided by ______ _______.

19. The government guarantee to compensate depositors for their losses when a bank fails is _______ _________.

20. The Basel Committee for Banking Supervision established uniform requirements for banks ________