As a financial journalist, you are writing an article explaining how the U.S. market shares of small, medium, and large banks have changed over the last 25 years. Utilize Exhibit 32 to approximate the market shares for the years 1985, 1990, 1995, 2000, 2005, and 2010 for small, medium, and large banks. Identify and discuss the three factors that appear to contribute most to the trends you described.

Exhibit 3-2 Data Processing, Office furniture, sales auto and truck leasing, general life insurnace and property casualty insurance sales, Savings and loan associations, Mortage companies, General insurance underwriting activites, Professional advertising services, underwriting of new common stock issues by nonfinancial corporations, real estate development companies, merchant banks, Hedge funds.