What's at stake: Mortgages requiring federal flood insurance will be more difficult to close during the shutdown, among other impacts. Expert quote: For "financial services broadly, banks in particular, there are going to be disruptions." — Brian Gardner, Stifel Financial Corp.Forward look: Extended shutdowns threaten federal worker pay and U.S. creditworthiness, potentially triggering broader market disruptions that would affect banks' Treasury holdings and lending activity.WASHINGTON — The threat of gove ...