[murron]

I happen toi do this for a living, as a supervisor of editing of a law journal, so I have no fears.

[RepublitarianRoger2]

My background is also in journalism. Editor of a law journal or not, you are incorrect, period. Sorry to say, but your quarrel is not with me but with the English language.

In order for the word "affected" to be correct in that sentence, the run on US banks would have to be affected by something. Affected by what?

"Effected" is the correct word here.