Q1: a. What exactly is a merger? b. Why are there so many mergers each year in the financial-services industry? c. What factors seem to motivate most mergers? Q2 a. How is the loan rate figured on a home mortgage loan? b. What are the key factors or variables? c. What are points and what is their function. Q3: a) What organizational forms do international banks use to reach their customers? b) Why are there so many different types of international organizations in the financial institutions? sector?