First Republic & PacWest have seen significant outflows of deposits.  The Fed set up a new Bank Term Funding Program to help banks access cash, but the stocks for regional banks have fallen in volatile trading since the facility was created on Mar 12.  Powell said that deposit flows have stabilized over the past week & that Americans should feel confident that their money is safe, though he stopped short of explicitly saying that all deposits are now guaranteed.  “What I’m saying is you’ve seen that we have the tools to protect depositors when there is a threat of serious harm to the economy or to the financial system, and we’re prepared to use those tools. I think depositors should assume that their deposits are safe,” he said.