To answer this question you have to go onto the st louis federal reserve fred database. A leverage ratio is any one of several financial measurements that look at how much capital a firm holds in relation to its total assets. For our purposes we define the bank's leverage ratio as equity capital divided by total assets.* Go to the St. Louis Federal Reserve FRED database, and find data on assets less liabilities, i.e. bank capital (RALACBM027SBOG), and total assets of commercial banks(TLAACBM027SBOG). Starting in January 1995, for each monthly observation, calculate the bank leverage ratio. Create a line graph of the leverage ratio over time. (All of this can be done on their web site, spend the time and learn how.) All else being equal, what can you conclude about leverage and moral hazard in commercial banks over the time considered? you have to go to the st louis database in order to answer the question