Which statement is correct? Select the best answer.

Answer $2$ Points

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A bank run can be caused only by officially published banking papers reporting negative bank net worth.

To protect against bank runs, the Federal Deposit Insurance Corporation $($FDIC$)$ has put two strategies into place: deposit insurance and the lender of last resort.

A bank run affects only banks that have negative net worth.

There are two main factors that affect insurance premiums: the bank's level of deposits and the riskiness of the bank's financial situation.