The term 'SOME ARE FDIC-INSURED' can be summarized by the five letter word 'ACCTS', which stands for 'ACCOUNTS'. This term refers to financial ACCOUNTS that are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is a government agency that provides insurance to depositors in U.S. banks, protecting them from losses due to bank failure. ACCOUNTS that are FDIC-insured are protected up to a certain amount, so customers can rest assured that their money is safe.