(1) You and three other staff members of the U.S. Offices of Comptroller of the Currency have been assigned identical projects. You are to review the various articles that have been written, the various speeches made, and in general the various suggestions that have been offered to revamp the structure of the FDIC in order to render it more stable and financially able to withstand adverse events. Based on the few suggestions offered in this chapter and on the basis of your own ideas, what is your conclusion?

(2) You are the mayor of a community of 12,000 people. You are active in virtually all of the civic activities of the town and as such your opinion is solicited on political, economic, sociological, and other factors. You have been asked by one of the civic groups to comment on the implications for the community of a prospective purchase of the largest local commercial bank by an out-of-state bank holding company. What is your response?