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.
texture to make it look 3D and look real, color is used to make the art look more realistic using a darker color for shade and space is used because it gives the viewer a reference for interpreting an artwork
