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It has long been understood that deposit guarantees and too-big-to-fail (TBTF) policies create a moral-hazard problem—they incentivize banks to take on too much risk by shielding depositors and shareholders from losses in excess of equity (“left-tail” outcomes)—in American banking.1 Congress passed the Federal Deposit Insurance Corporation Improvement Act (FDICIA) in 1991 to mitigate the moral-hazard problem by restricting forbearance and implicit subsidies for undercapitalized banks.

A roundup of incidents, good and bad, happening on college campuses.

This is a response to the writer of the Aug. 4 letter “We should love God above all things.”

"We are throwing a lifeline to these victims of human trafficking by providing them real resources to help them, to help first rescue them, and then to help them heal. | eTurboNews | Trends | Travel News

What do we know about the mutation? The mutation, like in the case of other variants, is located on the SARS-CoV-2 Spike protein, in the region of interaction with human receptor ACE2. It was detected in 11,435 distinct cases of the 1,180,571 SARS-CoV-2 samples they tested. What do we know about the behaviour of this variant? It has been noted that the T478K variant spreads fast. So much so that observing the rate and speed of the spread, the study researchers have also compared it to the Alpha variant, first identified in the UK. "This variant has been increasingly spreading among people in...