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okay so from here Im going to move straight on to macro hedging and that should also be hopefully a very quick section to cover does everybody know what macro hedging actually is let me just give a high-level view of what nitrogenous micro hedging I actually identify the thing that Im hedging so I know what the risk is example yesterday fly me cheaply what was the example they they had a fuel cost identified the fuel cost and they hedge that specific thing the fuel cost macro hedging is what banks do what banks do is we have countless assets we have countless liabilities all our assets are different interest rates all our liabilities are different interest rates some of our assets and liabilities have one contractual rate and a different behavioral what I mean by that if I take something like a core deposit Ive got savings deposits in my back I pay virtually nothing 0.1% on my savings accounts the only reason Ive got those savings accounts theyre the only reason people give me mon