1. Select all of the following statements that are true in regards to how money affects banks (through risk):

   		Market risk is predictable and can be entirely eliminated if a bank thinks ahead and diversifies its assets.
   		The root of liquidity risk in a firm can come from the lack of ability to access capital markets.
   		Equity holders typically demand a higher risk tolerance to generate higher returns whereas debt holders want lower risk tolerance to ensure a safer guaranteed return on their investment.
   		Market risk can be affected by politics, current events, and other forces outside the market.
   		Non-interest income is generally excessive and makes up the majority of a large banks revenue.
   		Market risk affects all markets, not just the stock exchanges.
   		When more credit risk is present, banks are less likely to hedge for protection on loans.
   		Deposits in banks are always kept aside to ensure liquidity for customers.
   		Deposits allow banks to connect savers to borrowers. Savers receive a small return on their deposits and borrowers are able to receive financing.
   		All banks aim to make their risk as low as possible so that they do not lose money.