You are the bank's liquidity manager. What would you do if:

1. The variability of deposit inflows and outflows increases?
2. The yield on non-liquid assets increases?
3. The liquidation costs of highly non-liquid assets increases?
4. Borrowed liquidity becomes cheaper?

Is the risk of illiquidity affected? Is the cost of illiquidity affected? More or less ESF buffer? More or less liquidity transformation?