The core Bankrate mortgage and deposit business has been very strong in Q3 and for the year.

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For the same reason, he argues, the risk inherent in commercial banks' proprietary trading activities is not warranted and should not be backstopped by the safety net provided to ensure deposit-taking institutions' core activities.

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F. may or may not use the bank deposit levy as a means of raising monies in future bailout schemes, but that is not the core issue.

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