Briefly explain why you think the following statements are TRUE, FALSE or UNCERTAIN.

1. Price risk occurs when the banks could not meet their short term obligations.

2. The aim of penetration testing is to put the website under pressure and impose it different cracking scenarios and see how the system responds.

3. One of the main reason that may cause risk is the reduced spread. It generally occurs because of the competition in the market and represents the bank is losing its share in the market.