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Hi everyone Im Michael Gordon. The global banking system has found itself suddenly back in the headlines in the last two weeks. It started off with the failure of Silicon Valley Bank and along with two other Banks. Now SVB was a regional bank, making up about one percent of the U.S banking sector. So not big, but not indocHub either. Those failures in turn sparked off a search for where the next problems might lie, and eventually Credit Suisse, an investment bank thats been mired in a series of scandals in the last few years, was eventually taken over by UBS another large Swiss bank. So is that the end of it, or is there more bad news thats yet to be revealed? Well the trouble is that no one can say that with any certainty. What we do know is that global interest rates have risen quite a lot in the last year or so, compared to the lows that we saw after the Covid shock. And rising interest rates tend to shake out a lot of bad investments and bad p