1.   And the government, which insured most deposits, could not afford to shut down all the thrifts that could not meet its own financial requirements.

2.   Both houses use the budget reconciliation process to bolster the thinly capitalized government fund that insures thrift deposits.

3.   Both state and federally chartered credit unions, however, are covered by the federal fund that insures credit union deposits.

4.   By contrast, the fund that insures commercial bank deposits, called the Bank Insurance Fund, is believed to have reached its legally required level this Spring.

5.   By contrast, the fund that insures commercial bank deposits, called the Bank Insurance Fund, is close to reaching its legally required reserve level.

6.   It was quickly passed, with most debate centering on the revolutionary idea of insuring bank deposits.

7.   Regulators have found as many as nine fraudulent bank Web sites, said David Barr, spokesman for the Federal Deposit Insurance Corp., which insures deposits.

8.   Separately, Hawke raised the possibility of a default next year on bonds backed by the fund that insures thrift deposits.

9.   Several Republican leaders have rejected a White House proposal to tap a fund that insures thrift deposits to help cover the increases.

10.   She was advised to use a teller instead of an automated teller machine if she wanted to insure timely deposits.