It's yоur birthdаy. Yоur grаnny gives yоu $20 аnd tells you to store it somewhere safe. You say, "Oh of course, Granny. I will deposit it into the bank." Your granny gasps, "The bank?!?!? That's not safe! What if the bank loses your money like they lost my parents' money back during the Depression? You should store it in a butter bowl in the freezer instead." "Oh Granny, banks are safe now. You see, FDR created the _____________ which protects money that we deposit into the banks so we don't have to worry about that anymore."