ʻO nā mea a pau e pono ai ʻoe e ʻike e pili ana i ka hōʻoia bank
ʻO ka hōʻoiaʻiʻo panakō he ʻaelike bilateral kahi e lawe ai ka panakō i ke kuleana e pane aku i ka mea i loaʻa i ka wā i hoʻokō ʻole ʻia e kāna mea kūʻai aku me nā kuleana a me nā kuleana. ʻO ka hōʻoiaʻiʻo panakō he hōʻoia e hāʻawi ka panakō i kahi ʻaelike ma waena o nā ʻaoʻao waho ʻelua.