• Speculate on one (1) specific area in which the next Triennial report may show a significant change. Explain how you arrived at your conclusion. Given the global financial system referenced in this article, what obligation do commercial banks with foreign exchange exposure have in building consumer confidence and rate how the banks are doing in this regard. Support your responses with evidence or an example. Should all commercial banks be treated the same when it comes to the risk they pose to the U. S. and global financial systems?