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0.6203 Tc -0.2732 Tw (identified ) Tj 0 Tr 86.8998 0 TD 3 Tr 0.8489 Tc -0.5326 Tw (and ) Tj 0 Tr -441.0372 -10.8 TD 3 Tr 0.7151 Tc -0.3807 Tw (reported ) Tj 0 Tr 72.4619 0 TD 3 Tr 0.7967 Tc -0.4733 Tw (problems ) Tj 0 Tr 71.9171 0 TD 3 Tr 0.6889 Tc -0.351 Tw (with ) Tj 0 Tr 40.0448 0 TD 3 Tr 1.0775 Tc -0.7921 Tw (BNEC ) Tj 0 Tr 39.2275 0 TD 3 Tr 0.7357 Tc -0.4041 Tw (banks' ) Tj 0 Tr 58.024 0 TD 3 Tr 0.7108 Tc -0.3759 Tw (lending ) Tj 0 Tr 63.4723 0 TD 3 Tr 0.6934 Tc -0.3561 Tw (operations, ) Tj 0 Tr 96.7067 0 TD 3 Tr 0.6806 Tc -0.3415 Tw (including ) Tj 0 Tr -442.3993 -11.52 TD 3 Tr 0.7146 Tc -0.3801 Tw (various ) Tj 0 Tr 65.3792 0 TD 3 Tr 0.7357 Tc -0.4041 Tw (issues ) Tj 0 Tr 56.3896 0 TD 3 Tr 0.6733 Tc -0.3333 Tw (involving ) Tj 0 Tr 79.5447 0 TD 3 Tr 0.6034 Tc -0.2539 Tw (their ) Tj 0 Tr 47.9447 0 TD 3 Tr 0.7281 Tc -0.3955 Tw (loan ) Tj 0 Tr 40.5896 0 TD 3 Tr 0.6955 Tc -0.3584 Tw (loss ) Tj 0 Tr 39.7723 0 TD 3 Tr 0.7082 Tc -0.3729 Tw (reserves, ) Tj 0 Tr 79.5447 0 TD 3 Tr 0.7096 Tc -0.3745 Tw (but ) Tj 0 Tr 32.962 0 TD 3 Tr 0.7281 Tc -0.3955 Tw (took ) Tj 0 Tr 39.4999 0 TD 3 Tr 0.8489 Tc -0.5326 Tw (no ) Tj 0 Tr -481.0819 -10.8 TD 3 Tr 0.7205 Tc -0.3868 Tw (formal ) Tj 0 Tr 56.1171 0 TD 3 Tr 0.7789 Tc -0.4531 Tw (enforcement ) Tj 0 Tr 96.9791 0 TD 3 Tr 0.6878 Tc -0.3498 Tw (action ) Tj 0 Tr 56.1171 0 TD 3 Tr 0.6399 Tc -0.2954 Tw (to ) Tj 0 Tr 23.4275 0 TD 3 Tr 0.8337 Tc -0.5153 Tw (compel ) Tj 0 Tr 56.9344 0 TD 3 Tr 0.6739 Tc -0.334 Tw (corrective ) Tj 0 Tr 86.8998 0 TD 3 Tr 0.8025 Tc -0.4799 Tw (measures. ) Tj 0 Tr -377.5649 -11.04 TD 3 Tr 0.7735 Tc -0.447 Tw (Moreover, ) Tj 0 Tr 81.1792 0 TD 3 Tr 1.1406 Tc -0.8637 Tw (OCC ) Tj 0 Tr 31.5999 0 TD 3 Tr 0.6878 Tc -0.3498 Tw (did ) Tj 0 Tr 32.962 0 TD 3 Tr 0.7096 Tc -0.3745 Tw (not ) Tj 0 Tr 31.8724 0 TD 3 Tr 0.838 Tc -0.5203 Tw (expand ) Tj 0 Tr 56.1171 0 TD 3 Tr 0.7096 Tc -0.3745 Tw (the ) Tj 0 Tr 32.4172 0 TD 3 Tr 0.8228 Tc -0.503 Tw (scope ) Tj 0 Tr 47.9447 0 TD 3 Tr 0.6399 Tc -0.2954 Tw (of ) Tj 0 Tr 24.7896 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(into ) Tj 0 Tr 38.9551 0 TD 3 Tr 0.8489 Tc -0.5326 Tw (a ) Tj 0 Tr 17.162 0 TD 3 Tr 0.7205 Tc -0.3868 Tw (formal ) Tj 0 Tr 55.2999 0 TD 3 Tr 0.817 Tc -0.4964 Tw (agreement ) Tj 0 Tr 80.0895 0 TD 3 Tr 0.6889 Tc -0.351 Tw (with ) Tj 0 Tr 40.0448 0 TD 3 Tr 1.0775 Tc -0.7921 Tw (BNEC ) Tj 0 Tr 41.4068 0 TD 3 Tr 0.6073 Tc -0.2584 Tw (in ) Tj 0 Tr 23.7 0 TD 3 Tr 0.7653 Tc -0.4377 Tw (1989, ) Tj 0 Tr 47.6723 0 TD 3 Tr 0.7096 Tc -0.3745 Tw (the ) Tj 0 Tr -481.6268 -11.28 TD 3 Tr 0.6465 Tc -0.3028 Tw (real ) Tj 0 Tr 40.5896 0 TD 3 Tr 0.6987 Tc -0.3621 Tw (estate ) Tj 0 Tr 56.9344 0 TD 3 Tr 0.7281 Tc -0.3955 Tw (loan ) Tj 0 Tr 38.9551 0 TD 3 Tr 0.6295 Tc -0.2836 Tw (portfolios ) Tj 0 Tr 88.2619 0 TD 3 Tr 0.8326 Tc -0.5141 Tw (were ) Tj 0 Tr 40.0448 0 TD 3 Tr 0.66 Tc -0.3182 Tw (deteriorating ) Tj 0 Tr 113.3239 0 TD 3 Tr 0.6269 Tc -0.2806 Tw (rapidly, ) Tj 0 Tr 70.8275 0 TD 3 Tr 0.8489 Tc -0.5326 Tw (and ) Tj 0 Tr 33.7793 0 TD 3 Tr 0.3983 Tc -0.0211 Tw (it ) Tj 0 Tr -483.5337 -11.52 TD 3 Tr 0.9142 Tc -0.6068 Tw (was ) Tj 0 Tr 32.962 0 TD 3 Tr 0.7096 Tc -0.3745 Tw (too ) Tj 0 Tr 32.4172 0 TD 3 Tr 0.6236 Tc -0.2769 Tw (late ) Tj 0 Tr 40.3172 0 TD 3 Tr 0.6008 Tc -0.251 Tw (for ) Tj 0 Tr 31.8724 0 TD 3 Tr 0.7096 Tc -0.3745 Tw (the ) Tj 0 Tr 31.0551 0 TD 3 Tr 0.8228 Tc -0.503 Tw (banks ) Tj 0 Tr 49.0344 0 TD 3 Tr 0.6399 Tc -0.2954 Tw (to ) Tj 0 Tr 22.8827 0 TD 3 Tr 0.7281 Tc -0.3955 Tw (deal ) Tj 0 Tr 40.862 0 TD 3 Tr 0.6293 Tc -0.2833 Tw (effectively ) Tj 0 Tr 96.1619 0 TD 3 Tr 0.6889 Tc -0.351 Tw (with ) Tj 0 Tr 40.5896 0 TD 3 Tr 0.7096 Tc -0.3745 Tw (the ) Tj 0 Tr 32.1448 0 TD 3 Tr 0.8228 Tc -0.503 Tw (system ) Tj 0 Tr -450.0268 -11.28 TD 3 Tr 0.8489 Tc -0.5326 Tw (and ) Tj 0 Tr 32.962 0 TD 3 Tr 0.6642 Tc -0.323 Tw (control ) Tj 0 Tr 64.0171 0 TD 3 Tr 0.756 Tc -0.4272 Tw (problems. ) Tj 0 Tr -96.9791 -22.56 TD 3 Tr 0.9012 Tc -0.5919 Tw (OCC's ) Tj 0 Tr 49.3068 0 TD 3 Tr 0.7136 Tc -0.379 Tw (supervision ) Tj 0 Tr 96.1619 0 TD 3 Tr 0.6399 Tc -0.2954 Tw (of ) Tj 0 Tr 23.7 0 TD 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