Commercial banks are business firms; like all firms, they strive to earn a profit. The object of commercial bank management is therefore to ___41___ profits while maintaining a very low risk of becoming ___42____. To remain solvent, a commercial bank must take precautions to ensure that the value of its assets ___43____ the value of its liabilities at all times. If at any time losses from securities, ___44___loans, or other investments force the value of the bank’s assets ____45___ the value of its liabilities, the bank becomes insolvent.