Considering the specific challenges faced by two different banks, what are the most appropriate funding strategies for each of them? Bank A, a mid-sized regional bank, is experiencing a legal reserve shortfall. On the other hand, Bank B, a small community bank, is dealing with a significant decrease in long-term Certificate of Deposit (CD) renewals due to elevated local competition. Your analysis should take into account the timing and accessibility of non-deposit sources of funds for both banks.