1. Your client has a plan to buy common stocks of a local bank. However, your client does not understand how a commercial bank is very different from the local supermarket that he or she owns. Your duty is to help your client better understand the banking business. Please briefly explain the major difference between commercial banks and non-financial business firms to your client. You could focus on the characteristics, regulations, or accounting practices. The article should be around 200 to 400 words.