Consider the collapse of the S&L industry discussed in this week's lectures. What are two important similarities and/or differences between the causes of that crisis and the causes of the current crisis? Explain your answers. (Roughly 4 to 6 sentences total.) The U.S. government has said that any costs of the guarantees given to depositors at Silicon Valley Bank and Signature Bank will be paid for by other banks in the form of higher deposit insurance premiums. Given the experience of the S&L crisis, do you think this is likely to work, or will losses on these and other banks' deposits spread, resulting in significant costs for the government? Explain your answer. (Roughly 3 or 4 sentences total.)