The risk incurred by a Financial Institution when its technological investments do not produce anticipated cost savings: Technology Risk Liquidity Risk Operational Risk Foreclosure Risk Sarbanes Oxley Risk The process of ensuring that collateral used to secure a loan is free and clear to the lender should the borrower default on a loan. Power of Sale Foreclosure Depreciation Appraisal Perfecting Collateral Northwestern Mutual is owned by which group? Stockholders Shareholders Policy Owners Lenders Regulators This type of financial institution is typically a not for profit depository institutions mutually organized and owned by their members (depositors) Commercial Bank Mutual Insurance Company Savings Bank Credit Union Hedge Fund