Discuss the following in detail regarding the nature of deposits and deposit management:

1. How has the composition of deposits changed in recent years?

2. What are the consequences for the management and performance of depository institutions resulting from recent changes in deposit composition?

3. Which deposits are the least costly for depository institutions? The most costly?

4. Describe the essential differences between the following deposit pricing methods in use today: cost-plus pricing, conditional pricing, and relationship pricing.