31.   Opponents of an increase in deposit insurance include Phil Gramm, R-Texas, former head of the Senate Banking Committee, and Federal Reserve Chairman Alan Greenspan.

32.   Private pension funds would be introduced, along with deposit insurance for banks.

33.   Savings institutions must pay far higher premiums for deposit insurance than banks, prompting savings and loans to shift their deposits into subsidiaries that qualify as banks.

34.   So what we have seen recently has been a sort of compressed debate about everything from deposit insurance to the safety of drinking water.

35.   Some of these contingencies include Social Security, Medicare, federal pensions, deposit insurance, myriad loan guarantees, and environmental cleanups.

36.   Still, Hong Kong bank customers are skittish because the territory has no deposit insurance similar to the Federal Deposit Insurance Corp. in the U.S., analysts said.

37.   That might make it easier for the government to start trimming deposit insurance, and perhaps to find ways to shift the burden of it to the private sector.

38.   The bankers did not call for the end of deposit insurance, or its privatization.

39.   The bank versions provide the added comfort of federal deposit insurance.

40.   The creation of excessive deposit insurance created a moral hazard.