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After Dodd-Frank, the big banks just got bigger and bigger and bigger. I think Jamie's right to point out that the regulatory promises that we're getting from the Fed are probably an overreach. The problems with the Silicon Valley Bank and Signature Bank failures were not under regulation. It was regulators to sleep at the wheel and bad management teams. Are we near the end of the right cycle in your view? Yes. How soon? Another quarter point? Another two? And Carol, I think probably one face-saving hike.
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