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so we've talked about how changes in interest rates can affect the bank's net interest income or the economic value of its equity and how banks will try and reduce the earning gap and duration gap to mitigate those risks and also the cash flow gap when we have different maturities for the bank's financial assets and financial liabilities and how that can lead to a cash flow shortfall if they're not properly managed however we haven't talked about the liquidity gap now the liquidity gap is unlike these three gaps in that it's not really a mismatch problem of assets and liabilities not being properly matched the liquidity gap is we are saying or we're assuming that there could be some scenario where one or more sources of funding that the bank relies on suddenly drives up become unavailable due to this unexpected freak event okay now this could be catastrophic to the bank it could result in the bank's failure okay we're talking about insolvency here think about the 2008 financial crisis...