Glossary of TermsIntroductionThe Source of Business RiskCredit, Interest Rate, and Liquidity RisksThe Term Structure of Interest RatesDurationConvexityInterest Rate RiskLiquidity RiskConclusionCase Study Eggleston State BankAppendix 4.1 Dissipation of Withdrawal Risk Through DiversificationAppendix 4.2 Lender-of-Last-Resort Moral Hazard