The System of Flat Deposit Insurance Premiums

The system of flat deposit insurance premiums:

A) enhances bank safety and soundness because it discourages bank risk taking.
B) reduces bank safety and soundness because it encourages bank risk taking.
C) has no impact on bank safety and soundness.
D) places banks that are considered "too big to fail" at a disadvantage.
E) provides unfair advantage to small banks.