A) What is insolvency risk? How can liquidity risk and credit risk cause insolvency? What are the two best protections against insolvency at a financial institution? B) Characterize each of the following according to the type of risk it primarily represents: I. Loan default II. Unexpected deposit withdrawals III. Losses on foreign currency holdings IV. Losses on standby letters of credit V. Reduction in earnings after an interest rate increase Indicate which of the risks could cause insolvency of the FI and why