Deposit insurance was introduced in the United States during the Great Depression primarily to promote financial stability. Stability is enhanced because deposit insurance reduces the likelihood of a bank run. During its first four decades, deposit insurance appeared to work well as few banks failed. But in the 1980s, a wave of financial troubles in the banking and thrift industry exposed an un...

Retail banks usually apply simple linear regression models for describing the dynamics of the deposit rates of non-maturing accounts (NMA) like savings deposits. Thus, typical patterns like asymmetry or rigidity that banks follow when adjusting their deposit rates are ignored. This is insofar surprising, as the asymmetric deposit rate adjustment affects the pricing of embedded options for NMA. ...

Submandibular saliva collected from cystic fibrosis patients and control subjects was separated by centrifugation into an insoluble deposit and a clear supernatant. The resulting calcium and phosphorus analyses performed on both fractions warranted a closer investigation as a consistent Ca/P molar ratio of 1.5 was found in the deposit of the cystic fibrosis patients, while no consistent ratio >...

The Mount Milligan deposit, centred at latitude SS”O8’ north and longitude 124”04’ west, is 100 kilometres westsouthwest of Mackenzie and 160 kilometres northwest of Prince George in central British Columbia. The deposit occurs in gently rolling topography (Plate 2-6-l) 5 kilometres due south of Mount Milligan. Access to the property is by a 93.kilometre logging road that connects with the Hart...

conclusion ct scan is highly accurate in differentiating malignant pleural mesothelioma and metastatic pleural diseases. pleural thickening and thickening of interlobar fissure lead us to the diagnosis of mpm and massive free pleural effusion is more commonly seen in metastatic pleural malignancy. background malignant pleural mesothelioma (mpm) is a rare malignant neoplasm of the pleura that ty...

Results of arthroscopic management of chronic, recalcitrant calcific tendinopathy of the shoulder in 28 patients were evaluated. Twenty-six patients (average age, 44 years) were ultimately enrolled in the study. Postoperative radiographs were performed to determine the amount of calcium deposit removal. Radiographic examination 2 months after surgery was performed to evaluate further deposit ch...

We analyze a banking system in which the class of feasible deposit contracts, or mechanisms, is broad. The mechanisms must satisfy a sequential service constraint, but partial or full suspension of convertibility is allowed. Consumers must be willing to deposit, ex ante. We show, by examples, that under the socalled “optimal contract,” the post-deposit game can have a run equilibrium. Given a p...