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some salve on this and cream and have the confidence to know to solve. but it has put nervousness through and people look and ten years ago we looked at the banking crisis and wondered how we buy the bank say. those measurements are out of date now in terms of how their assets are not only can they move money faster by the quality of assets is changed and the rates have changed and a lot of people who borrowed money at ludicrously low emergency rates their rates have now doubled and a lot of them can't afford to change so i'm afraid it looks like a very nasty storm that will need much more intervention by the regulators so i think people need to be very wary indeed. goad the regulators so i think people need to be very wary indeed. good to talk to you. — need to be very wary indeed. good to talk to you, thank _ need to be very wary indeed. good to talk to you, thank you _ need to be very wary indeed. good to talk to you, thank you for _ talk to you, thank you for explaining all of that. the uk, like many other countries, has a chronic shortage