And if a bank has negative net worth when it is nationalized, who do you think fills the hole?

如果某家银行被收归国有时是负资本净值，谁将是最终的埋单者？

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The much-watched annual rich list put Gates back on top with a net worth of 40 billion dollars, although he saw his bank balance lose 18 billion over the last 12 months.

尽管盖茨的资产在过去一年中缩水180亿美元，但他仍以400亿美元的净资产重登倍受关注的年度富豪榜之首。

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Average bank borrowings during 1966 were well under 10% of average net worth.

在1966年，我们的平均银行贷款远低于平均净值的10%。

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Julius Baer runs a private bank for high net worth individuals and an asset management business, which apart from Julius Baer Americas includes alternative investment provider GAM.

FORBES: Julius Baer To Spin Off U.S. Mutual Fund Unit

The service is reasonably priced for most users and free for high net worth bank clients.

FORBES: U.S. Bank Adds Brokerage With Web Services

Indeed, by virtue of bank executives having much of their net worth tied up in the banks they run (bonuses are heavily weighted toward restricted stock in the bank, as opposed to cash), it's a bit of a reach to suggest that deposit insurance--which doesn't protect the share prices of banks from collapse--somehow fosters excessive gambling meant to imperil that same net worth.

FORBES: Magazine Article