9. ___________ is not among the advantages of international expansion by a bank?

A. Better diversification of risk B. Lowering of the regulatory burden C. Improved economies of scale D. Higher monitoring and information collection costs E. Broader, and possibly cheaper, access to funds

10. Commercial banks in the U.S. have deposit insurance provided by the ______________.

A. Federal Reserve B. Office of Comptroller of the Currency C. OTS D. FDIC E. U.S. Treasury