The Banking Industry's Reaction to the Black Swan Event

I'm very confident in the banking industry. I think you will definitely see a couple more banks fall and you'll see some consolidation with some more regional banks, some smaller community banks making acquisitions. In a potential recessionary environment and high interest rate environment like we're in right now, things are going to get a little worse before they get better. But long term, I remain very confident  in the banking industry and very optimistic on where we're going and what the banks are doing.