State several differences between state-chartered banks and federally chartered banks. Include reasons why a bank would choose one charter over the other.

no, i never do because that’s not the reason for what i speak to or of.

explanation:

this is anne frank, correct?

hello, i am papaguy your answer is ready.

answer: the pronoun that is used in the given subject above is the word "himself" which refers to the noun or antecedent "maestro". the pronoun is an example of an intensive pronoun. intensive pronouns are used to add emphasis to the subject of the sentence and it uses reflexive pronouns such as myself, yourself, himself, herself, themselves and ourselves. 

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your pal papaguy