The Federal Government had to step in last week to implement measures to prevent panic from spreading throughout the banking industry. While a number of factors at Silicon Valley Bank played a role, such poor internal risk management, a looming downgrade, mark-to-market accounting, one of the major factors was uninsured deposits. Prior to the recent measures, only $250,000 per individual was insured with FDIC protection. Silicon Valley Bank had see tremendous growth in recent years, leading many to have deposits well above the $250,000 limit.