1.   The American crisis was replete with cases of self-dealing, in which thrift executives siphoned off money in bonuses and lent to projects sponsored by close friends.

2.   The five helped Charles Keating, a thrift executive, who eventually went to prison for his crimes.

3.   Thrift executives say the resulting disparity in premiums could threaten the health of their industry and make them less attractive acquisition targets.

4.   Thrift executives say the resulting disparity will threaten their ability to compete.

5.   Thrift executives say banks could offer depositors higher rates on their accounts, because banks are paying less for deposit insurance.

6.   Thrift executives say that the resulting disparity in premiums could threaten the health of their industry and make them less attractive acquisition targets.