The financial crisis of 2008 demonstrated the flaw in a bottom-up detailed approach to calculating risk. There are too many individual judgments that can be biased. Banks and bank regulators instead use a rule of thumb that bank capital should be 8-10 percent of the balance sheet. That is, managers rely on.

answer:

yp

explanation:

answer:

a and b although my birthday is january 16 lol

explanation:

painic-stricken, handle business, not a joke, yeah

manners missing, travel different, no control, yeah

time to listen, time to zip it, keep it closed

my description, highly gifted, take some notes, yeah

lack of interest, why'd you visit? hit the road, yeah

i'm kinda twisted, so keep your distance, be a ghost

yeah, see i'm inventive, but quite the menace, you ain't know?

well then i'm offended, let's jog your memories, here we go, yeah

i went from nobody to kinda famous

hide my plaques inside the closet, i just can't explain it

my wife, she tells me that she's proud and thinks that i should hang 'em

but i just leave 'em on the ground right next to my self-hatred

yeah, yeah, mental health, where's my mental health?

diagnosed with ocd, what does that mean? well, gather 'round

that means i obsessively obsess on things i think about

that means i might take a normal thought and think it's so profound (leave me alone)

ruminating, fill balloons up full of doubt

answer:

WHO THE FRKINFOOK

IS PAUL

Explanation:

answer:

yeah love is wack

Explanation:

but that's the point of life. face pain and hardships to find the good. Without seeing the bad you can never appreciate the good.