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What are the main off-balance-sheet activities undertaken by commercial banks?
2. What has been the recent trend in the number of commercial banks in the United States? What factors account for this trend?
3. What were some of the biggest mergers that occurred around the passage of the 1999 Financial Services Modernization Act? What were the incentives for these mergers?
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Name two types of market failure. Explain why each may cause market outcomes to be inefficient.
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