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Back to the loan level for a second. Ill walk through a hypothetical about what happens on a lenders balance sheet when a loan goes delinquent. And, Ill use a $200,000 loan, goes delinquent. Goes 45 days delinquent, and the FDIC comes up, lets say its Bank of America, and knocks on their door and says, hey , I see you have this loan thats 45 days delinquent. I need you to set aside some of your equity capital in case you suffer a loss on this loan. So the FDIC might tell them, set aside $2,000 of your equity capital. So that equity capital that the bank uses to make loans is all of a sudden tied up in the loss reserve account. They can put in the loss reserve account, they set it aside, bank you cant touch it. Well, that $2000 in equity capital represents maybe $30,000 in the banks lending power. Because, for each dollar that the bank loans out, it only puts in about two and a half, three cents of its equity capital. The rest of the money is borrowed from your checking, your sav