21.   If the CD lacks deposit insurance it becomes a less attractive financial product -- and thus is less likely to take business away from insurance companies.

22.   In both countries, government ultimately contributed to the problem by helping hedge the risks through low-priced deposit insurance.

23.   Instead, deposit insurance will be necessary if the clients of weak banks are to see their money again.

24.   Indeed, open-ended deposit insurance is the enemy of this containment strategy.

25.   It is politically hard to narrow the scope of deposit insurance.

26.   It does not have deposit insurance.

27.   Matsushita promised depositors that all their money would be protected, even beyond amounts covered by deposit insurance.

28.   Mongolia has no deposit insurance, exposing depositors to the risks of bad banking.

29.   More recently, however, banks have been seeking to issue what they call C.D. annuities that are backed by federal deposit insurance.

30.   On the other hand, CDs are insured by federal deposit insurance.