A. Trend OROA Analysis (explain why the Banks OROA changed in 2019 by looking at differences in 2018 versus 2019 for the NIM, Burden%, and PLL% --including IR% and IE% changes to explain why the NIM changed, and the likely funding gap. Also, explain why the Burden Changed by analyzing differences in the NIE% and NIR% for the Bank in 2019 versus 2018 (see spreadsheet 1^st tab: Page 01 EarningsProf&Risk Ratios, top of the page Under Earnings & Profitability for A,B,C).

B. Peer OROA 2019 Comparison Analysis (explain why the Banks OROA differs from the PG1 in 2019 by looking at differences in the NIM, Burden%, and PLL% for the Bank compared to the PG1 in just 2019.1(including analyzing differences in in the IR% and IE% to explain why the NIMs for Capital One and the Peers differ in 2019, and differences in the NIE% and NIR% to explain why the Burdens are different for Capital One in 2019 compared to the Peers.