(Credit risk and commercial banks)  Your bank has always fac…

(Credit risk and commercial banks)  Your bank has always faced fierce competition from other banks in the market for small business loans in the Upper Midwest. After switching to a new credit scoring system two years ago, your small business loan volumes have consistently grown much faster than your competitors, and even faster than the expanding regional economy. Charge-off rates have not grown significantly. You conclude

Essay Question 1 – you need to either answer this question o…

Essay Question 1 – you need to either answer this question or SKIP this question by answering Essay Option 2. Think about the last time you were deeply focused on something — studying, scrolling your phone, watching a game — and completely missed something happening right in front of you. Now imagine that same experience happening to someone who just witnessed a crime. Using concepts from at least two of the chapters you have read this semester, write an essay that explains why eyewitness testimony may be less reliable than it appears. In your essay, you should identify the relevant psychological concepts by name, explain how they work, and use them to build a clear argument about why a witness’s account of an event might be incomplete or inaccurate — even when that witness is being completely honest. Support your argument with specific examples, either from the readings or from your own reasoning. A strong response will go beyond simply defining terms and will instead show how the concepts you chose work together to affect what a person sees, remembers, and reports.