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for which it is Earthquakes, floods and landslides are examples of a difficult to predict loss exposure. O high-severity, low-frequency event o low-frequency, high-frequency event O low-severity, low-frequency event o low-severity , high-frequency event O high-severity, high-frequency event In comparison to large banks, small banks typically have more off-balance-sheet activities. False True interest An adjustable-rate mortgage borrower is adversely affected by rates, while originator is adversely affected by interest rates. increasing, decreasing stable; decreasing o increasing: increasing decreasing increasing