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When a bank is failing, the government gives it 90 days to take action to either recapitalize or sell itself. If not successful, the FDIC steps in to implement the Resolution Process which involves closing and selling the bank's operations. The FDIC's goals are to protect insured depositors, minimize disruption to customers and the community, and resolve the bank at the least cost. The FDIC achieves this through expert analysis and assessment of the bank's financial condition.