16. Explain why environmental risk is an important factor for a bank to evaluate when the bank is thinking about lending money to a business (commercial) client to purchase land and buildings and wants to obtain mortgage financing from the bank. (3 marks) Page 14 of 21 15. Central banks manage a process called monetary policy in order to contribute to the economic health of the economy it serves. Identify any three (3) of the focuses of monetary policy (NOT the tools that central banks use in administering their monetary policies, but what the focuses of their monetary policies are on)