put, but what was the cause of the fall of the banks this time, i know that, for example , the fenishin times that in these three bankrupt banks there was one and the same auditor who did not notice something , his behavior was too risky. liberal regulation, here is our common acquaintance, financial expert yevgeny dubogrets says, here, stress tests for banks below a certain size were canceled and you can see what this led to, what was the reason. and you say that the insert is probably the reason that cheap money there were and uh, not everyone followed how they are invested there, but now they screwed up the rate a bit, raised it and all the money became more expensive, all these projects became unprofitable uh hmm, what is the reason , what is the main uh, the reason for the crisis, which, according to you, is already happening. i think that the main one after all well, i think that these are the actions of the central banks, which , let's say artificially, set a non-market price of money, and that is, manipulated the price of money for many years. in this way, they created and supported n