As a financial journalist, you are writing an article explaining how the U.S. market shares of small, medium, and large banks have changed over the last 25 years. Utilize Exhibit 3–2 to approximate the market shares for the years 1985, 1990, 1995, 2000, 2005, and 2010 for small, medium, and large banks. Identify and discuss the three factors that appear to contribute most to the trends you described.