I need a reply to each discussion with and example please. Thank You in advance.

1-Bank failure would have a detrimental effect on investors, individuals, and businesses, especially if the bank was not FDIC insured.When a bank fails, the FDIC will take over, possibly selling the bank to a larger, stronger bank or operating the bank as a federally-owned bank for a period of time (Pritchard, 2016).A true bank failure, where the FDIC is not involved, would hit confidence levels of investors and customer pretty hard; if they were unable to access their cash it would cause a domino effect on the economy.The ripple effect would depend on how large the bank is that failed, and how large the accounts or investments were that people lost.Without future purchasing power, customers would be unable to spend their money at business, investors would be unable to continue investing in the stock market, and it could have the potential to cause stocks to drop and cause panic within the industry.As an investor or customer, it would be in your best interest to make sure any investment opportunity or bank is FDIC insured so that you wouldn't have to worry if a failure were to take place.

References

Eakins, S., McNally, W. (01/2013).Corporate Finance Online, 1st Edition. [Kaplan]. Retrieved fromhttps://kaplan.vitalsource.com/#/books/9781269887199/

Pritchard, Justin. (2016, September 11). What is Bank Failure, and What Happens to Your Money? Retrieved from: https://www.thebalance.com/bank-failures-315791

2-Systematic risk is the overall routine risks involved in investing, particularly in stock. This can include the price fluctuations that happen on a daily basis, the fallout from a government bailout, or economic values.

Using a bank and it's customers, the best option someone has, is to research specific systematic risk in this sector. While nothing is one hundred percent, you kind guesstimate in a forecast of what you could end up with, both bottom and top end. Using this forecast as a guide, it will help bankers to invest in a specific bank or not.

All risks cannot be fool proof, and predicted entirely. The reason that systematic risk is known as volatile is that it is unforgiving in it's nature, because it is ever changing.

References

Systematic And Unsystematic Risk. (2012, March 28). Retrieved fromhttps://www.investopedia.com/walkthrough/corporate-finance/4/return-risk/systematic-risk.aspx

3-The stock market will effect any individual business by influencing consumer spending.It alsogives a chance for a larger return on capital cost, a consumer will spend more during the bull markets because it makes them feel like they have a lot of money when they see their portfolio raise in value.Bear markets is when the consumer will stop spending because they are afraid they will lose their wealth and purchasing power as the value of their contracts.A stock market that raises will also raise the value of stock as a currency, causing a business to raise more capital by giving out shares or to use the stock to gain competitors.

https://www.investopedia.com/ask/answers/042215/how-does-performance-stock-market-affect-individual-businesses.asp

4-A stock market investor should definitely lose confidence if bank customers and others lose access to their savings and undergo a loss of future purchasing power due to a bank failure.This could affect their career and could be extremely detrimental to the stock market as a whole.Annuity investments wouldn't be able to be completed at the intervals they were supposed to, causing drastic changes in the interest compounding and overall value of peoples IRA and other retirement accounts, the interval between the annuity payments has to be the same, it is one of the critical factors that make the series of payments an annuity.(Eakins 125)If everyone lost their ability to purchase, no one could really sell stocks and I would assume the interest rate and value of the stocks would decline causing a loss on a person's overall investment.This would mean that you would need to invest more money over the length of your time employed to get to your retirement number, or just live off of less money when you retire.

References

Eakins, Stanley, William McNally.Corporate Finance Online. Pearson Learning Solutions, 01/2013. VitalBook file.