$3.$ Banks sometimes manage liquidity risk by issuing large, marketable certificates of deposit when

other deposits decline. How important is this practice? Plot the share of large time deposits $($FRED

code: LTDACBM$027$SBOG$)$ in total deposits $($FRED code: DPSACBM$027$SBOG$).$ Explain how this

share evolved over the long run and after $2004.$