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UNRELIABLE LOSSES IN THE LAST YEAR AND AS MANY AS 90 BANKS COULD BE AT RISK OF INSOLVENCY IF DEPOSITORS WITHDREW THEIR MONEY AT ONE TIME. GOOD MORNING TO YOU. DO YOU REALLY THINK -- I MEAN, LISTEN, I WAS READING A STUDY, AND THE IDEA THAT THIS HAPPENED TO DEPOSITORS, THAT WOULD BE A PROBLEM. WOULDNT THAT BE A PROBLEM FOR EVERY, AND SHOULDNT A BANK BE PREPARED FOR THAT? WHAT SHOULD BE THE THRESHOLD? THANK YOU FOR HAVING ME ON. I JUST WANT TO SAY -- THE DEPOSITORS WOULD SHOW UP BUT MIGHT NOT HAVE ENOUGH OF LIQUID ASSETS INCLUDING CASH TO PAY THEM. THATS NOT REALLY WHAT WE DO. WE LOOK AT IS IT ENOUGH TO PAY THE DEPOSITS ON. AS YOU MENTIONED, THE STUDY FINDS THAT MARKET VALUE OF ASSETS DECLINE BY $2.2 TRILLION RELATIVE THE BOOK VALUE. A TYPICAL BANK IS LEFT WITH 90% DEBT. MOST OF IT IS DEPOSITED BY HOUSEHOLD BANKS. THE MARKET VALUE OF THE ASSETS IS NOT ENOUGH TO COVER THE FACE VALUE OF THE DEBT OBLIGATION. OF COURSE AS YOU MENTIONED, MOST OF THE DEPOSITORS ARE LI