14. The system of flat deposit insurance premium formerly used in the U.S. A) enhanced bank safety and soundness because it discouraged bank's risk-taking behavior. B) reduces bank safety and soundness because it encourages bank's risk-taking behavior. C) had no impact on bank safety and soundness. > D) places DIs that are considered "too big to fail" at a disadvantage relative to small DIS. E) lead to the Great Depression.