The weird thing is they were only insolvent under artificial pressure. A lot of banks would have similar trouble there's just not as concentrated of a depositor

The weird thing is they were only insolvent under artificial pressure. A lot of banks would have similar trouble there's just not as concentrated of a depositor spread where a scant handful of people can create a run on the bank by themselves. A distinction between held to maturity assets and market priced assets makes sense though, there should be some consideration in the calculation about term though for sure. The question of that though seems very complex to answer.