EDIE is designed to give an accurate deposit insurance calculation, assuming it is properly used and the account information is correctly entered. However, the results and conclusions generated by EDIE are strictly advisory. All actual claims for deposit insurance shall be governed exclusively by information set forth in the FDIC-insured institution's records and applicable federal statutes and regulations then in effect. This calculation is based on the deposit insurance regulations in effect as of October 2008. The current $250,000 standard insurance coverage amount is in effect through 12/31/2009. On January 1, 2010, the standard insurance coverage amount will return to $100,000 for all deposits except IRAs, which will remain insured up to $250,000.