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One of the differences, though, is that floods can't decide to happen when they notice that you're vulnerable to a flood: i.e. bankruns aren't exogenous events.
floods can't decide to happen when they notice that you're vulnerable to a flood
But places more vulnerable to flood have historically have had more flood damage! Clearly the floods are strategic about how they come about.
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Ah, that makes sense.
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Quod erat demonstrandum
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