Banks sometimes manage liquidity risk by issuing large, marketable certificates of deposits when other deposits decline. How

Question:

Banks sometimes manage liquidity risk by issuing large, marketable certificates of deposits when other deposits decline. How important is this practice? Plot the share of large time deposits (FRED code: LTDACBM027SBOG) in total deposits (FRED code: DPSACBM027SBOG). Explain how this share evolved over the long run and after 2004.