You are hired to design a database system for a local bank. This bank handles various accounts for its clients. The attributes for clients include name, address, and telephone number etc. There are three types of accounts: checking, savings, and loan. Following are the attributes for each type of account:

CHECKING: Acct No, Date Opened, Balance, Service Charge SAVINGS: Acct No, Date Opened, Balance, Interest Rate LOAN: Acct No, Date Opened, Balance, Interest Rate, Payment

Each bank account must be a member of exactly one of these subtypes. For example, there wont be an account that is both checking and saving at the same time. There is exactly one loan officer assigned to each loan account. The bank would like to keep track of loan officers basic information such as name, specialty, and industry certifications, etc.