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====== 4.1.4 Example of a Using the Combined Requirements Model ======
[[dido:public:ra:1.4_req:00_aboutreq | Return to About Requirements]]

The following is a Normative((
**Normative** - are statements based on opinions about what should happen. They are subjective rather than objective because they involve value judgment about what is right and what is wrong.
)) example of using the Combined Requirements Model to review requirements for any [[dido:public:ra:xapend:xapend.a_glossary:f:fdic]] regulation. The actual data may be invalid or based on some convenient assumptions but is included as an example of how the combined model can be used. ]

In the example, the regulation starts with **Wisdom**. Within Regulation, the **Wisdom** is the U.S. Code of Federal Regulations. Although we can make light of Federal Regulations as being **Wisdom** try and think about it this way: //"when working within the confines of a government, it is not wise to ignore or marginalize regulation"//. When working within the banking industry, **Understanding** is knowing that there are U.S. Federal Regulations that pertain to banking in general. **Knowledge** is to know the specific laws that pertain to the Area-of-Interest (AoI), in this case banking and Federal Insurance covering banking(i.e, FDIC). There is knowledge that is provided within the FDIC legislation the that specifies which laws must be followed by an institution wanting to be insured (i.e., //Section 18 of the FDIC regulations//). Finally, at the **Data** layer, there are specific rules about what needs to be reported and how it is to be reported.  

<figure combReqExmp>
{{  :dido:public:ra:screen_shot_2021-03-02_at_12.28.41_pm.png?700  | }}
<caption>Normative Example of the Combined Governing and Cognitive Models</caption>
</figure>

Figure {{ref>combReqExmp}} roughly lays out a "straw man" of what the overall combined governance could be like. Within each governing Aspect and within each Cognitive layer there are specific requirements that covers that Role (i.e., cell).


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