While underwriting practices appear to be much healthier today than they were in the 1980s and standards have tightened somewhat recently, supervisors are paying particular attention to community banks with concentrations that make them materially vulnerable to a downturn in this market.
19 For example, the terms of trade being 5 percent higher or lower than assumed in the May Statement, or  the implied interest rate on NFL rising back to its 2003-08 average. 20 The earlier liberalisation of capital flows and easing of restrictions on foreign investment played an important role in facilitating the rise in investment in the 1990s.