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The language of chemistry is universal, transcending borders and cultures.
A well-designed deposit insurance system can prevent bank runs without creating excessive moral hazard.
SINCERITY. Use no hurtful deceit; think innocently and justly, and, if you speak, speak accordingly.
If two people write exactly the same program, each should be put into microcode and then they certainly won't be the same.
Deposit insurance changes the behavior of both banks and depositors.