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the the problem with the with the U.S banking system is that the U.S banking system uh is actually potentially quite fragile and you know the the issue today is that what youve got is its not so much a situation where loans are going bad and The Regulators or the Federal Reserve are saying to the banks look youre you know youre completely foolish youre making lots and lots of bad loans they may be who knows but thats not the issue the problem is that they cant get proper funding and the reason they cant get proper funding is to do with uh constraints within the system [Music] on todays episode of what the finance podcast I have the pleasure of welcoming back Michael Howe whos the founder and managing director of cross-border capital so Michael thanks for joining the podcast today great pleasure good to be here no problem and yeah Larsons view was a great introduction I think uh into sort of your work uh you know your definitions and key insights into liquidity so if anyones