please asnwer B, C, D, E, and F i will give thumbs up thank you!

2. (A) Historically, why was government-sponsored deposit insurance created in the U.S.? The FDIC was created to insure deposits in the U.S. just in case banks or other institutions couldn't repay their deposits. It basically is meant to help the public have more confidence in the fincancial system. (5) Explain how deposit insurance creates moral hazard on the part of depositors and on the part of bank managers. (C) Who pays the premiums for deposit insurance and what influences the amount of the premium? (D) What is the current deposit insurance dollar ceiling for banks? For credit unions? (6) When (approx.) and why did the last change in the dollar ceiling occur? (F) Suppose that Jack and Jill have a joint bank account, plus Jill has a separate business account, and both spouses have separate IRA accounts. All of these accounts are at the same bank. What is the maximum amount of deposits that Jack and Jill (combined) could have that would be fully insured by the FDFC