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Fast forward five years, and two of those banks – Silicon Valley and Signature Bank – failed due to lack of liquidity and possible undercapitalization, their failures destabilized the financial system in the process and caused federal banking regulators to take measures (such as insuring all the deposits at the two failed banks) that will tempt banks to bet on even bigger risks in the future.

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    "Not all those who wander are lost."
    A J. R. R. Tolkien
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