We thank the World Bank for funding and Asli Demirguc-Kunt and participants at the World Bank conference on deposit insurance for their comments and suggestions. The views expressed are the authors' own and do not necessarily reflect those of the World Bank, its Board of Directors, or the countries they represent.

The subject of government bank regulation is intimately intertwined with that of government deposit insurance. If the government is to insure bank deposits, it should also have some say in the risks that insured banks are allowed to take, otherwise it would leave itself wide open to unlimited potential losses. John H. Kareken (in this issue) comes close to arguing that banks without government ...

Taknar Polymetal (Cu-Zn-Au-Ag-Pb) Deposit: A New Type Magnetite-Rich VMS Deposit, Northeast of Iran

Calcium-containing crystals are the most common class for the osteoarthritic joint. They are responsible for acute periarthritis and destructive arthropathies, and for tissue deposits mimicking tumor-like masses. These crystals encompassed mainly calcium pyrophosphate dihydrate and basic calcium phosphate crystals, with the latter being related to hydroxyapatite, carbonate-substituted apatite, ...

This study was conducted to determine phosphorus (P) species captured in a vertical-flow constructed wetland (VFCW) system combining a trickling filter followed by FeCl3 injection for phosphate coagulation. Suspended solids (SS) thus formed accumulated over time at the VFCW surface and transformed into a sludge deposit layer, which was shown to concentrate most of the P captured in the system. ...

PURPOSE A cardinal pathological feature of age-related macular degeneration (AMD) is the deposition of extracellular material between the retinal pigment epithelium (RPE) and Bruch's membrane, pathologically described as sub-RPE deposits. Both the presence and local organization of these deposits contribute to the clinical manifestations of AMD, including localized deposits clinically recognize...

The enormous development of the technology raw material extraction drives economic companies and technicians to make efforts meet needs consumers. These directly influence nature, creating voids or cavities in soil subsoil inducing a structure disturbance subsequently giving damages. A landslide Kef Essenoun phosphate deposit occurred 2007 when large mass rocks detached caused number undesired ...

This work aims first to characterize the Maastrichtian and Paleogene clays of Ouled Bou Sbaa phosphate deposit located in northern part Meskala Basin; as a second goal, most efficient clay fractions are tested identified for organic dyes removal. Several techniques methods have been adopted characterization clays: X-ray diffraction (XRD), Fourier transform infrared spectroscopy (FTIR), fluoresc...

Immunotherapy has shown the potential to become an essential component of the successful treatment of various malignancies. In many cases, such as in melanoma, however, induction of a potent and specific T-cell response against the endogenous antigen or self-antigen still remains a major challenge. To induce a potent MHC I-restricted cytotoxic T-lymphocyte (CTL) response, cytosol delivery of an...