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Ms. G. G. Garcia

correctly. That is, after the banking system has been recapitalized and the system of supervision and regulation have been modernized adequately. This process can be expected to take time for the commercial banking system and even longer for institutions of lesser economic importance, such as rural cooperatives. It may be that for banks funded mainly by small deposits, the speed of a depositor’s access to funds when his bank fails will determine credibility of the partial DIS. The bank’s unguaranteed credit rating will indicate whether the bank will lose inter