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foreign [Music] biggest bank in the United States is that right JP Morgan Bank of America Wells Fargo and then City there is a bank on the west coast called Silicon Valley Bank or there was a bank there not as well capitalized I mean did The Regulators not understand what was going on or the people in the banking world people like you were you surprised by what happened uh you so you had a combination of two pieces youve had the macro and some idiosyncratic and factors around Silicon Valley Bank but then you also had the impact accelerated by social media of what went down so weve had the we knew that when we got wind off lower for longer rates it was going to be pretty painful um and the rates curve and the increase in rates has been most weve seen the fastest and secondly um you just have idiosyncratic factors I think is the polite British way of describing them in Silicon Valley Bank so as all this played out you saw some pretty serious holes in their balance sheet management and