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no I I think the um banking sector is very sick you know itamp;#39;s itamp;#39;s not healthy at all in fact I think it has a terminal disease of government and uh you know fed policy I mean I was warning about this crisis for years just like I warned about the 2008 financial crisis for years I can see this thing coming from a mile away you know when everybody was stoling the virtues of the 0% interest rates and the benefits that you know it had for borrowers it was great uh Americans could refinance their mortgages and get these Rock Bottom 30-year fixed rates you know at 3% some people even got two handles on their 30-year mortgages the government was able to finance all this debt at lower interest rates and that kept the debt service costs down so everybody was benefiting from the ability to lock in long-term debt at Rock Bottom rat and I was one of the only people that I know of that was out there trying to point out the negative for the lender because whatamp;#39;s good for the