Last year the Federal Deposit Insurance Corp. killed a plan to simplify the insurance rules on joint and some trust accounts. But when the agency resurrected the very same proposal last week, the plan was expected to fly, even though it would widen the government's safety net.

What revived it? A hefty reduction in the proposal's estimated price tag-from $22 billion to about $80,000 for the joint account change-and a promise from new agency Chairman Donna A. Tanoue that the plan is an anomaly.

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