30. The traditional fixed-rate, level-payment, fully amortized mortgage design suffers from the problems of (i) tilt and (ii) mismatch. Explain what these problems are and why they occur.

31. Discuss the impact of Globalization on the Ghanaian financial markets in the last decade or so.

32. Considerable innovations have occurred on the Ghanaian and other financial markets in the sub-region. Discuss why these innovations have occurred and how they have impacted on the development of the financial markets.

33. Discuss the justification for regulating financial markets around the world. Additionally, discuss how various regulations have brought stability to the Ghanaian financial market.