Which of these is not a method that savings banks can use to maintain their incentives to do a good job at their core financial institution functions? Maintain a reputation for doing a good job of evaluating and monitoring stocks, so that investors don't lose confidence in the bank and pull out their funds. Promptly disclose information about loan concentrations and performance so that customers and counterparties don't think the bank is withholding negative information, which might cause them to lose confidence and take their business (and deposits 0 elsewhere. Make use of short-term funding. which gives the bank incentive to do a good job of managing risk so that the funding sources wor't lose confidence in the bank and pull out their funds. Diversify across many borrowers and depositors, reducing the chance of major credit or liquidity problems so long as the bank does a good job of evaluating and monitoring loans..