1 Subjects: “...Rating Agencies...”

2 Subjects: “...Currencies and Exchange Rates...”

3 Subjects: “...Bank deposits...”

4 Subjects: “...Deposit Guarantees...”

5 “... percentages for over 150 countries. Across countries access is negatively correlated with poverty rates...”

6 Table of Contents: “...), 'Optimal Monetary Policy in a Currency Union with Interest Rate Speeds', Journal of International Economics...”

7 “... limits the likely development of market monitoring, which is clearly a cause for concern, given...”