management 2019s discussion and analysis jpmorgan chase & co . 78 jpmorgan chase & co . / 2005 annual report immediate changes in interest rates present a limited view of risk , and so a number of alternative scenarios also are reviewed . these scenarios include the implied forward curve , nonparallel rate shifts and severe interest rate shocks on selected key rates . these scenarios are intended to provide a comprehensive view of jpmorgan chase 2019s earnings-at-risk over a wide range of outcomes