3.Fill in the blanks:

People who put their money in a checking account expect to get all the money back when they ask for it, but some people who are willing to take a small amount of risk for a slightly higher return instead invest in a _____________ mutual fund.These funds rarely break the ______________ so they are almost as safe as checking accounts, which are insured by the_______________. Regulations by the SEC require these funds to invest in safe assets like______________, which have zero risk of default and short durations. In contrast, banks are allowed to invest in much riskier assets, although the riskier the assets the more ____________ they are required to hold. In addition, banks cannot invest deposits in _____________, a rule that has been in place since The Glass Steagall Act of 1933. Despite the efforts of regulators to avoid _____________ risk, there are occasional waves of bank failures, such as when 500 banks failed during the subprime crisis. Crises are often followed by Congressional reforms, such as the ______________________ Act, which requires more capital than Basel I or Basel II and which limits trading of CDS contracts. Another approach to ensure a safe banking system that was adopted in the last decade was the ________________, which requires a bank to get more capital if the Federal Reserve believes the bank is vulnerable to a downturn. Many banks involve government intervention, because they are _________________.