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The long-term picture is very cloudy because you're talking about overall faith in the banking system and what the regulatory changes are going to be. So even the big banks are probably going to face higher costs, which I think is why companies like JP Morgan, Bank of America are so interested in trying to prevent first republic bank from really going under on a deposit basis. No matter what, it's going to be costlier in the future. That makes it harder to invest.
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