11.   The GAO warned of possible trouble if the FDIC lowers deposit insurance premiums for banks and not for savings institutions.

12.   Thrifts became attractive takeover candidates for commercial banks when Congress last year reduced deposit insurance premiums and resolving tax issues to related bad debt reserves.

13.   But he said a shrinking spread between short-term and medium-term interest rates and the threat of continued high deposit insurance premiums for thrifts are worrisome.

14.   One of the highlights of FDICIA is the introduction of a risk-based deposit insurance premium.