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4. Draw the risky-debt profile for $450,000 in a two-individual joint-depositor account in an FDIC-insured bank as a function of the asset level of the

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4. Draw the risky-debt profile for $450,000 in a two-individual joint-depositor account in an FDIC-insured bank as a function of the asset level of the bank together with the profile of the deposit insurance. 5. Repeat the profiles in Question (4) for a single-depositor account. Discuss briefly the difference between these profiles and those of Question (4)

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