credit introduction, credit history, credit rating, management of credit risk, credit administration, credit measurement, credit monitoring process, credit risk environment, credit exposures, credit approval process, review and exposure management, data collection, credit review, valuation of collateral, exposure assessment, credit decision-making structure, risk weights, qualitative disclosures, credit risk mitigation, internal rating-based approach to credit risk, supervisory review, supervisory transparency and accountability, role of financial advisor, risk management, insurance and risk, auto insurance, ISO commercial property program, commercial liability insurance, crime insurance, surety bonds, non-life insurance.