FORMAT REQUIREMENTS:
The group paper should
• be typed and double spaced; 
• flow as a well documented, coherent, committee paper; 
• give citations for all sources; 
• have correct formats for the bibliography, footnotes and references; 
• have on the first page of the paper, the title of the paper, the author’s names and respective tutorial groups; and 
• have an executive summary. 

Part A: answer according to case study of youngstown bank. (see attachment). explain what kind of risk is the bank facing.

Part B: refer to case study of   ‘The last pit stop? Time for bold late-cycle moves.‘ McKinsey & Company, October 2019 (see attachment).