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.
This photograph has contrasting dark and bright areas, uses both a foreground and background. There is a soft, single source of light creating an eerie atmosphere and leaves much interpretation for the viewer. Art is meant to be thought provoking and emotionally provoking; this photograph through multiple techniques and features accomplishes said definition of art.
