WASHINGTON - The Federal Deposit Insurance Corp.'s new reform proposal is like a bag of assorted candies - there's a flavor for everybody's taste.

The "options paper" issued last week tackles such controversial subjects as when banks pay into the insurance funds and how much; how to toughen risk-based premium pricing; and whether to raise the coverage level per account. Yet the purposely open-ended 84-page document offers a broad menu of solutions, and most industry officials found that they could take what they wanted from it no matter what side of the issues they are on.

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