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- The banks that failed had the additional problem that they were extremely reliant on uninsured deposits — amounts above the $250,000 per account that the F.D.I.C. guarantees.
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In actuality, it’s commonplace for banks to go through periods when the market worth of their loans and bonds is depressed. The banks that failed had the additional problem that they were highly reliant on uninsured deposits — quantities above the $250,000 per account that the F.D.I.C. ensures. The problem now, as I wrote in early March when Silicon Valley Bank was taken over by regulators, is that the math has gone bad for them. They’re dropping their low cost funding and they’re nonetheless stuck with low-yielding investments that they acquired when rates of interest have been traditionally low.
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Learn the basics of algebra—focused on common mathematical relationships, such as linear relationships. Learn early elementary math—counting, shapes, fundamental addition and subtraction, and extra. Created by experts, Khan Academy’s library of trusted practice and classes covers math, science, and extra. The Federal Reserve — which proclaims its next rate determination on Wednesday — is in a bind. Chair Jerome Powell and the opposite price setters may ease the banking crisis by reversing course and cutting interest rates. But that would improve the danger of a renewed outburst of inflation, which the Fed is just beginning to deliver beneath control.
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