Initiatives Based on Lessons from the Great East Japan Earthquake  Chart 13  1. Self-help → Many financial institutions have recognized the importance of backup arrangements for computer systems and headquarters' functions, striving to enhance them. 2. Mutual assistance → Arrangements for mutual cooperation (in providing cash, etc.) among financial institutions and market-level frameworks have been made and enhanced. 3.
In particular, the share of families with incomes below $ fell from 41% in 1995 to 37% in 1998, and more families within that lower-income group reported that they had a checking account. Moreover, home-ownership rates among minorities have risen.