政府担保25万存款 还有效吗？

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请大家帮忙看看这句话是啥意思？

The Guarantee Scheme closed for new liabilities at the end of March 2010. Outstanding liabilities were guaranteed until October 2015 when the Guarantee Scheme ended.

Given the improvement in funding conditions, and the recent or imminent closure of guarantee schemes in a number of countries, the Government announced that the Guarantee Scheme would close to new liabilities from 31 March 2010.

https://www.guaranteescheme.gov.au/

我一直以为政府担保25万存款的规定是没有期限的，看了这句话有点不确定了

ARACT

Financial Claims Scheme
The Financial Claims Scheme (FCS) is an Australian Government scheme that provides protection to deposit-holders with Australian incorporated banks, building societies and credit unions (known as authorised deposit-taking institutions or ADIs), and general insurance policyholders and claimants, in the unlikely event that one of these financial institutions fails.

The FCS is a government-backed safety net for deposits of up to $250,000 per account holder per ADI. It also covers most general insurance policies for claims up to $5,000, with claims above $5,000 eligible if they fulfil certain criteria.

Once activated by the Australian Government, the FCS is administered by the Australian Prudential Regulation Authority (APRA).

https://www.apra.gov.au/financial-claims-scheme-0