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　　The members of the board of directors should have which of the following responsibilities related to risk management:
　　I.       The board must approve the firm';s risk management policies and procedures.
　　II.      The board must be able to *uate the performance of risk management activities.
　　III.    The board must maintain oversight of risk management activities.
　　A.     I and II only
　　B.     II and III only
　　C.     I and III only
　　D.     I, II, and III
　　Answer: D
　　The boards of directors for banks have responsibility for: (1) approval of risk management policies and procedures, (2) ensuring that operating managers have the requited technical capabilities, (3) *uating performance of risk management activities, and (4) maintaining oversight of risk management activities.