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[Music] if the majority of people who have deposited money in the same Bank get panicked and scared and all demand their money back at the same time there is a great risk that the bank will fail there is a chance that some customers may not be able to withdraw their money to reassure and protect savers a Deposit Guarantee Scheme was therefore established by legislation the law guarantees each person or each small or medium-sized business having deposited money in a Belgian bank a refund of up to a hundred thousand euros via a guarantee fund [Music]