4. In managing interest rate, credit, and liquidity risks, discuss how FIs use securitization to their benefit. In your discussion, list the benefits and costs of securitization by using an example of a bank securitizing its credit card or mortgage receivables. In performing securitization of these loans, how has the bank changed its interest rate, credit, and liquidity risk exposures? Does securitization diminish or enhance banks' intermediation function and why or why not?