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Examiners should review loan pricing policies and practices to assess whether the institution may be unduly weighting the short-term benefit of retaining or attracting new customers while giving insufficient consideration to potential longer-term consequences . As such , applying formal forward-looking analysis even on a basic level assists the institution in identifying and managing the overall risk of its lending activities . Assessing whether a concentration exists may be complex , depending on the characteristics and holdings of the REITs to which an institution lends , and may involve consideration of the institution 's direct commercial real estate lending as well as its loans to REITs . Those lies are at the heart of the advertisement submitted by Mr. Smith . They know what answer they seek before they ask the question and before they conduct the " research . Regarding the question of air exchanges , Rudolf berates us for accusing him of intentionally misleading his audience by the dual use of the word " exchanges . Examiners should discuss with the institution the specific characteristics of its REIT borrowers , and similarities between these borrowers and other loans in the institution 's portfolio , as one means to determine whether a material concentration of credit risk has developed . The question remains whether that technology can harvest citrus productively and economically . This raises the question of how autonomic do users want their computers to become ? ' Having somebody else who believes in them is really crucial , and I feel it 's important that I give back to the community . To best perform this role , the risk ratings structure should meaningfully differentiate the degree of credit risk in loans , and should be supported by independent analysis or review of the risk ratings being assigned to loans both at inception and periodically over the life of the loan.1 The criteria used in assigning a rating should be clear , explicit , and applied consistently both throughout the institution and over time . Pearl , a nursebot being developed by researchers co-operating at several U.S. universities , will be a lot more effective than the ' glorified alarm clocks ' now on the market , said Martha Pollack of the University of Michigan . The question is , how real can they get ?