000			00547nam a2200145Ia 4500
008			100324s9999 xx 000 0 und d
100			_aWheelock, David C.; Kumbhaker, Subal C.
245			_aWhich banks choose deposit insurance?: evidence of adverse selection and moral hazard in a voluntary insurance system
260			_c1991 _bFederal Reserve Bank of St. Louis
300			_bSee FRBSL 332.11 WHE (Includes Acc. Nos. 37038 & 37039) _a19 p.
366			_b1991
650			_aInsurance
942			_cBK
999			_c95897 _d95897