A study commissioned by the KDIC union concluded that the Korea Deposit Insurance Corp. (deposit insurer) should remain in Seoul, arguing that proximity to financial regulators, firms and the central bank is critical as digital bank runs (rapid online withdrawals) compress crisis response times. Presented at a policy forum on the 11th, the report said relocation could weaken emergency response, reduce access to market intelligence and trigger staff losses; an internal survey found only about 24% of employees would stay after a move, falling to 12% for workers with less than five years of tenure and 9.5% for grade-5 staff. The researchers said peer deposit insurers such as the FDIC in Washington, the FSCS in London and the DICJ in Tokyo are also based in capitals or financial hubs, while any regional economic benefit from moving KDIC would likely be limited. Chun Sun-ae proposed keeping a "financial-stability core" in Seoul alongside regional operational bases, and the union said any relocation policy should proceed with great caution.