Problem identification is perhaps the most important part of the methodology used in this study. It is clear that to construct a policy solution one must first have a clearly articulated problem. The intent with this part of the study is not to demonstrate an objective, value free phrasing of what capital liquidity laws respond to, rather this section seeks to express the tacit presuppositions underlying the risk assessment and cost-benefit phases of this paper. It is only through crafting this strong foundation of problem definition, and arguing for this particular slant that the reader can be convinced that the preceding sections of methodology actually merit exploring.