Yeah, that aligns with my (limited) understanding. The assessments are a relatively small portion of the funds, I believe. My understanding is that the rate cha

Yeah, that aligns with my (limited) understanding. The assessments are a relatively small portion of the funds, I believe. My understanding is that the rate charged is the same regardless of the riskiness of the bank, which could become a moral hazard in its own right. (I.e., if the assessment rate is the same regardless of risk, it may incentivize riskier behavior)