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the issue again is I think we have had a bit of supervisory failure here right because we all know this in any industry if you let capitalism go totally unchecked shareholders will demand immediate profits today it happens in every industry except in ones where you can basically gamble on future profits and thats what tech does but every other shareholder in every other asset class demands money today and thats the same for banks the problem is the banks are a highly regulated business they are supposed to be supervised by The Regulators and this is a very clear example where why is there not a real-time spreadsheet I mean this is not complicated stuff where assets and liabilities and duration mismatching can be known on a real-time basis where the San Francisco fed Mary Daley should have a report thats escalated to her when svb got over their ski tips which they did in Q4 of 2022. so I think the real question that has to be examined is where were these folks for the last four month