[Verse 1] Banks and insurers have special rules to play by Asset-liability matching keeps their balance high What they own must match what they owe in time Regulatory capital keeps them in line [Chorus] Match your assets, watch your liabilities Capital requirements for stability Risk management is the key For financial security Match, watch, manage every day That's the regulated way [Verse 2] Insurance companies collect premiums today But claims might come in years away Long-term bonds match long-term needs Duration matching plants the seeds [Chorus] Match your assets, watch your liabilities Capital requirements for stability Risk management is the key For financial security Match, watch, manage every day That's the regulated way [Verse 3] Banks take deposits, short and sweet But make long loans they can't retreat Interest rate risk is their concern Asset-liability lessons they must learn [Bridge] Solvency ratios keep them strong Tier one capital all along Risk-weighted assets in the mix Regulatory framework that sticks [Chorus] Match your assets, watch your liabilities Capital requirements for stability Risk management is the key For financial security Match, watch, manage every day That's the regulated way [Verse 4] Credit risk, market risk, operational too Diversification helps pull them through Stress testing shows what they can bear When markets crash beyond compare [Outro] Investment constraints guide their way Protecting customers every day Banks and insurers standing tall Following rules that serve us all Match, watch, manage - never stray That's the regulated way
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