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k Harstatt and Franklin National Bank. Both of these were crashes that occurred because of poor securitization which did not balance the loan obligations. In this these banks were typical of other banks around the world which were attempting to generate new capital bases (McClintock, 1996, 17).

In the new competitive environment of the 1970s, banks differentiated themselves through specialization--doing a few things supremely well--or by seeking th

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