WASHINGTON - When Federal Reserve Board Chairman Alan Greenspan says he hates your idea, it is time to come up with a plan B - or several of them.

That is what the Federal Deposit Insurance Corp. quietly has done by tucking inside its reform plan some creative alternatives to doubling coverage to $200,000 per account. These new wrinkles include selling banks additional federal coverage or relying, at least in part, on private insurers.

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