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creates a lack of market discipline where people like Golden West and and Indie that all and Countrywide all that fail, they can grow their their assets,
high-risisk assets very easily by buying deposits. And they and because of FDIC insurance, a typical depositor doesn't think about the risk in the institution
they're invested in. And then it ended up in the housing market because of a goal really set in 1999 by Bill Clinton for Freddy Mack and Fanny May to have
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