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I would think the commercial banks would have excess liquidity, and just the opposite is true. Where did the money go? Now the Clowns in DC, are saying that if Mr. Banker you go insolvent..don't worry we will give you cash! That's what they did with the woke bank SVB. Go to get rid of the brain dead politicians in DC!

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"The last act of a decaying empire is to rob the treasury."

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