Your Oct. 15-31 Straight Talk column proposes to continue to calculate FDIC insurance on deposits and create a new method of charging too-big-to-fail banks a premium for being big. While this may be an appropriate alternative, in the here and now, the prepayment calculation based upon assets would be a great first step in determining what the large risk bearers need to contribute. At least they would be contributing substantially more NOW. Also, I would be very suspect at the need for an additional government watchdog to monitor this new/old . . .
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