What are the most appropriate funding strategies for two distinct financial institutions, each facing specific funding challenges, particularly focusing on the timing and accessibility of non-deposit sources? Bank A, which is a mid-sized regional bank, is currently concerned about a shortage in legal reserves for the day and seeks an effective solution to this issue. In contrast, Bank B, a small community bank, has recently faced a significant decline in long-term Certificate of Deposit (CD) renewals due to heightened local competition for retail deposits. This is problematic because Bank B has traditionally depended on stable CDs to support its home mortgage portfolio.