Explanation: Risk-based deposit insurance is insurance with premiums that reflect how prudently banks act when investing their customers' deposits. The idea is that flat-rate deposit insurance shelters banks from their true level of risk-taking and encourages poor decision-making and moral hazard.
I watched it a couple months ago and one of the transitions was dimming of the lights and/or a spotlight on shrek or donkey to divert attention from the changing set behind them
