The main issue is no longer tech. It’s whether or not they have HTM assets that will bring them under if they have a run on the bank. A lot of the depositors a

The main issue is no longer tech. It’s whether or not they have HTM assets that will bring them under if they have a run on the bank. A lot of the depositors are rich Silicon Valley residents and they may get spooked and pull their money. That’s the issue in this phase of the contagion.