Critics of federal banking policy argue that deposit insurance is a key reason for banking failures. the banks enjoy a "heads i win, tails the government loses" proposition. several possible reforms of deposit insurance have been suggested. for example, the limit on insured deposits can be raised, reduced, or eliminated. do you think a change in deposit insurance would prevent bank failures?

There is a sweet potato with an initial uniform temperature of 25 c and it has an average diameter of 70 mm. thermal conductivity and diffusivity of the potato are 0.62 w/m c and 0.2 x 10^-6 m^2/s. respectively. it is to be cooled by refrigerated air at 1.8°c flowing at a velocity of 4 m/s. the average heat transfer coefficient between the potato and the air is 25 w/m2·°c. determine how long it will take for the center temperature of the potato to drop to 5.5°c