41.   The government does not provide deposit insurance.

42.   The Japanese government unveiled measures to bolster deposit insurance and increase disclosure in the financial system, clearing the way for eventual bank failures.

43.   The provision on deposit insurance also faces opposition from Sen. Philip Gramm, R-Texas, the ranking Republican member of the Senate banking committee.

44.   The safe deposit insurance is being underwritten by the Aetna Casualty and Surety Co., which hopes to offer it elsewhere if the New York program is successful.

45.   Then there are the myriad financial service companies like investment houses that pay no deposit insurance at all.

46.   They could lose part of their deposit insurance.

47.   This would not only reduce potential losses to government deposit insurance but also create a class of hostage investors to safeguard against imprudent lending.

48.   This would lower the amount they pay for deposit insurance, but it would also threaten the health of the Savings Association Insurance Fund, which backs thrift deposits.

49.   Those subsidies include deposit insurance backed by the federal government, access to credit through the discount window and a Federal clearinghouse.

50.   Today there are many safety nets, including deposit insurance and government intervention.