You are a member of the Board of Directors of ABC Bank, a publiclytraded corporation. A recently enacted law requires all boards of directors of publiclytraded corporations to create a risk committee. Traders who are employed by ABC Bank frequently engage in complex and sophisticated securities transactions. The traders often order securities or commodities or agree to sell securities or commodities in large volumes. The traders must make assumptions regarding the likelihood that the prices of the securities or commodities will rise or decline. The traders' assumptions are not always accurate. If traders should wrongly predict the movement of market prices, ABC Bank will experience significant losses. In the event that the bank suffers losses, ABC Bank's equity shares, which are listed on the New York Stock Exchange, would decline in value, and it may be difficult to attract shareholders to invest in ABC Bank. Please draft a charter for the risk committee of the board of directors of ABC Bank. Your charter should: describe the responsibilities of the committee; describe the requisite qualifications of the members; explain whether any of the board members who serve as members of the committee may be executives who are employees