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Until depositors feel confident the bank crisis will continue, says Requisite Capital's Talkington

Video vocabulary

yet

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US / jet /

UK / jɛt /

A1
  • adverb
  • At a later time (used after ‘not’)
  • (Used to emphasize that thing is, will be greater)
  • Eventually; at a future time
  • Until now; up to the present
  • conjunction
  • Adding to what has been said, often as a contrast

weigh

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US / weɪ /

UK / weɪ /

A2
  • verb
  • To balance things against each other
  • To consider something carefully to form an opinion
  • To determine the weight of, using scales

seven

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US / ˈsevn /

UK / ˈsɛvən /

A1
  • number
  • Number 7

cash

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US / kæʃ /

UK / kæʃ /

A2
  • noun
  • Physical money (not credit card or digital)
  • verb
  • To sell or give something to get money

deposit

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US / dɪ'pɒzɪt /

UK / dɪˈpɑzɪt /

A2
  • noun
  • Concentration of mineral left by a river
  • Part payment so that an item will be kept for you
  • Amount of money that is put into a bank account
  • verb
  • (Of rivers) to leave a layer of minerals, etc.
  • To lay down of layers, e.g. of soil, over time
  • To place or put something down in a certain place
  • To put money or valuable items in a bank

book

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US / bʊk /

UK / bʊk /

A1
  • noun
  • Thing made of pages with writing on that you read
  • verb
  • (Police) to officially record someone's crimes
  • To reserve (hotel room, etc.) in advance
  • To produce a red or yellow card to a soccer player

now

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US / naʊ /

UK / naʊ /

A1
  • adverb
  • At the present time or moment
  • Right away or in the next possible moment
  • Used to refer to something that just happened
  • Time between the present and a moment in the past
  • conjunction
  • Resulting from or because of something

not

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US / nɒt /

UK / nɑt /

A1
  • adverb
  • Word indicating the negative
  • (Used to form the negative of verbs)

our

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US / 'aʊə(r) /

UK / aʊr /

A1
  • determiner
  • Belonging to us

development

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US / dɪ'veləpmənt /

UK / dɪˈvɛləpmənt /

A2
  • noun
  • Act or process of growing bigger or more advanced
  • A new event related to a previous event

wound

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US / waʊnd /

UK / waʊnd /

A2
  • noun
  • Sadness or displeasure caused by a bad memory
  • Physical injury, especially that suffered in war
  • verb
  • To rotate a part of say a watch to make it work
  • To hurt someone emotionally
  • To injure someone in a fight with a knife gun etc.

formation

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US / fɔ:ˈmeɪʃn /

UK / fɔ:rˈmeɪʃn /

B1
  • noun
  • Process of creating; making a particular shape

give

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US / ɡɪv /

UK / ɡɪv /

A1
  • noun
  • Degree of flexibility in something, a material
  • verb
  • To hand over or present something to someone
  • To cause someone to have or experience something

good

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US / ɡʊd /

UK / ɡʊd /

A1
  • adjecitve
  • Proper, appropriate or right
  • (Of an amount) enough; plenty
  • Excellent; high quality
  • Acting well or properly; of moral character
  • In a positive or happy emotional state
  • noun
  • Advantage or benefit

cut

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US / kʌt /

UK / kʌt /

A1
  • noun
  • Act/instance of reducing the size or amount of
  • Small opening made using a sharp object, knife
  • A wound on someone's skin caused by a sharp object
  • verb
  • To reduce the size or amount of something
  • To use knife or scissors to divide, open surfaces

but

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US / bət /

UK / bʌt,bət /

A1
  • conjunction
  • Used before you say something different, opposite

represent

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US / ˌreprɪ'zent /

UK / ˌrɛprɪˈzɛnt /

A2
  • verb
  • To depict art objects, figures, scenes; to portray
  • To show or describe something in a particular way
  • To act on behalf of others in government
  • To act or speak for another person or other people

towards

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US / tə'wɔ:dz /

UK / 'təuədz, twɔ:dz /

A1
  • preposition
  • In the direction of someone or something

sharply

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US / ˈʃɑ:pli /

UK / ˈʃɑ:rpli /

A2
  • adverb
  • In an angry or unfriendly manner
  • In a sharp manner; sharply

powell

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US / ˈpəʊltri /

UK / ˈpoʊltri /

A1

can

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US / kæn /

UK / kən,kæn /

A1
  • noun
  • A metal container for storing food
  • other
  • Able to; have the skill to; have the time to
  • verb
  • To have permission to
  • To be possible to do
  • To preserve food by sealing it in a metal container

role

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US / rəʊl /

UK / rol /

A2
  • noun
  • Character played by an actor
  • Part you play in an activity; job; responsibility

feeling

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US / ˈfi:lɪŋ /

UK / ˈfilɪŋ /

A1
  • noun
  • Sensation or emotion you experience
  • verb
  • To be aware of or experience an emotion, sensation
  • To sense through direct contact; touch

become

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US / bɪ'kʌm /

UK / bɪˈkʌm /

A1
  • verb
  • To begin to be; grow to be; develop into
  • To be suitable for a particular job or role

stock

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US / stɒk /

UK / stɑk /

B2
  • adjecitve
  • (E.g. of a response) standard; usual; not original
  • noun
  • Animals such as cattle kept for breeding
  • Tasty liquid added to stews, soups etc.
  • Merchandise; goods kept by a business for sale
  • Piece of a business, bought in the form of shares
  • verb
  • To keep some of, as items for sale

really

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US / ˈri:əli /

UK / ˈriəˌli, ˈrili /

A1
  • adverb
  • Used to stress something that is said; definitely
  • In a true or accurate manner
  • Very

depositor

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US / dɪˈpɒzɪtə(r) /

UK / dɪˈpɑ:zɪtə(r) /

B1
  • noun
  • Person who has deposited money in an account

pretty

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US / 'prɪtɪ /

UK / ˈprɪti /

A1
  • adjecitve
  • Being attractive to the eye in a simple way
  • adverb
  • Very; to a great degree

loom

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US / lu:m /

UK / lum /

B2
  • noun
  • Device with a frame used to make cloth from thread
  • verb
  • To appear in a large, unclear, or threatening form
  • (Of unpleasant thing) to be close to happening

way

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US / weɪ /

UK / we /

A1
  • adverb
  • Used to emphasize the amount of something
  • noun
  • Particular aspect of something being thought about
  • One of various choices that could be made
  • Particular existing condition or state
  • (Often long) distance or length of time
  • How something is done
  • Route to go to a place
  • Small street
  • Usual behavior, emotions or habits of someone

their

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US / ðɛː /

UK / ðer /

A1
  • determiner
  • Belonging to them

else

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US / els /

UK / ɛls /

A1
  • adverb
  • Otherwise; if you fail to
  • (Of person place thing etc.) besides; in addition

death

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US / deθ /

UK / dɛθ /

A2
  • noun
  • When someone dies; the end of life

work

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US / wɜ:k /

UK / wɚk /

A1
  • adjecitve
  • Activity completed in order to make money
  • noun
  • The product of some artistic or literary endeavor
  • Everything created by an author, artist, musician
  • Activity you do in order to make money
  • Place of employment
  • Final product or result of a some labor or effort
  • verb
  • To bring into a specific state of success
  • To be functioning properly, e.g. a car
  • To do your job in your company or workplace
  • To make an effort to do something
  • To operate a machine or device

throw

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US / θrəʊ /

UK / θroʊ /

A1
  • noun
  • Arm movement to make a thing fly through the air
  • Loose cloth or blanket (usually over a chair)
  • Forcibly putting someone on the ground
  • verb
  • To use your arm to make something fly in the air
  • To move part of your body suddenly and forcefully
  • To confuse or upset someone
  • (E.g. judo) to forcibly put someone on the ground
  • To put something somewhere suddenly and roughly

building

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US / ˈbɪldɪŋ /

UK / ˈbɪldɪŋ /

A1
  • noun
  • A structure with a roof and walls, e.g. a house
  • verb
  • To establish e.g. a reputation, over time
  • To construct a house, office, factory

yesterday

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US / ˈjestədeɪ /

UK / ˈjestərdeɪ /

A1
  • adverb
  • Day before today
  • noun
  • Day before today

responsibility

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US / rɪˌspɒnsə'bɪlətɪ /

UK / rɪˌspɑnsəˈbɪlɪti /

A2
  • noun
  • Job, task or thing you are expected to look after
  • A thing to be done because it is morally correct
  • State of being dependable or reliable

everyone

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US / ˈevriwʌn /

UK / ˈɛvriˌwʌn /

A1
  • pronoun
  • Every person; everybody

all

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US / ɔ:l /

UK / ɔl /

A1
  • adverb
  • Completely; totally
  • determiner
  • Being every one of something
  • pronoun
  • 100% of something; the complete amount

space

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US / speɪs /

UK / spes /

A1
  • noun
  • Empty area kept for a specific reason, like a car
  • Empty area with nothing in it
  • Area in the sky where the stars are
  • Area between written words on a page
  • verb
  • To make a certain distance or time between

very

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US / 'verɪ /

UK / ˈvɛri /

A1
  • adjecitve
  • Concerning a large degree or amount
  • adverb
  • A lot; much; many
  • Used to stress or emphasize a noun

they

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US / ðeɪ /

UK / ðe /

A1
  • pronoun
  • Two or more people, animals, or things

fear

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US / fɪə(r) /

UK / fɪr /

A1
  • noun
  • Unpleasant feeling caused by being aware of danger
  • verb
  • To be afraid of or nervous about something

envision

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US / ɪnˈvɪʒn /

UK / ɪnˈvɪʒn /

C2
  • verb
  • To imagine or picture in your mind

look

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US / lʊk /

UK / lʊk /

A1
  • noun
  • Person's beauty or physical attractiveness
  • Particular style of dress, clothes, or appearance
  • The way someone, something appears to be
  • Act of searching for or examining something
  • verb
  • To appear to be; seem

tell

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US / tel /

UK / tɛl /

A1
  • verb
  • To (strongly) advise a person to do something
  • To be able to guess
  • To say or communicate information to someone
  • To inform, but without speaking; indicate
  • To have a negative effect on someone
  • To order someone to do something; command
  • To recognize something based on certain signs
  • To report something to an authority
  • To explain something or teach someone something

interesting

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US / ˈɪntrəstɪŋ /

UK / ˈɪntrɪstɪŋ, -tərɪstɪŋ, -təˌrɛstɪŋ /

A1
  • adjecitve
  • Taking your attention; making you want to know
  • verb
  • To make someone want to know about something
  • To persuade to do, become involved with something

claim

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US / kleɪm /

UK / klem /

A2
  • noun
  • Demand for something that is believed to be due
  • Something said to be true when others don't agree
  • verb
  • To demand something that is believed to be due
  • To cause someone's life to come to an end
  • To say something is true when others may not agree

overhang

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US / ˌəʊvəˈhæŋ /

UK / ˌoʊvərˈhæŋ /

B2
  • noun
  • Part of building/rock that sticks out
  • verb
  • To stick out from an edge above something

then

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US / ðen /

UK / ðɛn /

A1
  • adverb
  • A time that is not now
  • Following another thing in time or arrangement
  • Following on reasonably from what was just stated
  • At that time, not now

include

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US / ɪnˈklu:d /

UK / ɪnˈklud /

A1
  • verb
  • To make someone, something part of a group

down

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US / daʊn /

UK / daʊn /

A1
  • adjecitve
  • Being sad, sick, or unhappy
  • Not operating, working, or functioning as expected
  • adverb
  • In a sitting or lying position
  • Towards or on the ground, floor, or bottom
  • Written or copied onto a piece of paper or book
  • noun
  • A period of play in American Football
  • The soft, smooth hairs that cover a bird's body
  • preposition
  • Along something's path, course, or direction
  • Going from a higher position to a lower position
  • verb
  • To eat or drink very quickly and without stopping

happen

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US / 'hæpən /

UK / ˈhæpən /

A1
  • verb
  • To take place or occur

bottom

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US / 'bɒtəm /

UK / ˈbɑtəm /

A2
  • adjecitve
  • Concerning the part under something, e.g. a vase
  • noun
  • The part of your body you sit on
  • Lowest position, often in a company or contest
  • Lowest part of something; part on which it rests
  • Lowest level, part or point of an object
  • The part under something, e.g. a vase
  • verb
  • To hit the lowest part of something

get

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US / ɡet /

UK / ɡɛt /

A1
  • verb
  • To become affected by illness or disease
  • To begin to feel or understand an emotion or idea
  • To send or bring someone or something home, etc.
  • To go somewhere to obtain something
  • To (cause to) do a particular thing
  • To obtain, receive or be given something
  • To currently have
  • To prepare for use
  • To understand something being said or read

first

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US / fɜ:st /

UK / fɚst /

A1
  • adjecitve
  • 1st; Coming before all others in time or place
  • noun
  • Something that has not happened before
  • Position of the winner of a competition

tendency

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US / 'tendənsɪ /

UK / ˈtɛndənsi /

A2
  • noun
  • Likelihood to behave in a particular way

right

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US / raɪt /

UK / raɪt /

A1
  • adjecitve
  • Correct or true
  • The south side of you looking at the rising sun
  • adverb
  • Exactly in a place or time
  • Being appropriate for a particular event
  • In a straight or direct manner
  • noun
  • Something you are legally or morally allowed to do
  • Ideal of what is just and good
  • Political view based on conservatism
  • verb
  • To fix something previously wrong or unjust
  • To make upright, as a boat that has turned over

witness

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US / 'wɪtnəs /

UK / ˈwɪtnɪs /

B1
  • noun
  • Person who was present to see an event take place
  • Evidence or proof of something
  • verb
  • To see the signing of an official document
  • To see an event take place (usually a crime)
  • To serve as an example or evidence of something

what

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US / wɒt /

UK / hwɑt, hwʌt, wɔt, wʌt,hwət, wət /

A1
  • pronoun
  • Thing or things that; the same kind as
  • Used to emphasize something you are about to say
  • adjecitve
  • Used to refer to a particular amount, or number
  • Used to place emphasis on a particular quality
  • adverb
  • To a certain degree
  • determiner
  • Question words used for asking for information
  • exclamation
  • Used to express excitement, shock, or surprise
  • Used to ask people to repeat something they said

week

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US / wi:k /

UK / wik /

A1
  • noun
  • Period of seven days from Sunday to Saturday

that

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US / ðæt /

UK / ðæt, ðət /

A1
  • adjecitve
  • The person or thing being talked about
  • Used to identify something both the speakers know
  • adverb
  • Used to reinforce adjectives and adverbs
  • To such a degree
  • conjunction
  • Used to connect a noun clause
  • Used to introduce an adverbial clause
  • Used to introduce a noun clause
  • determiner
  • Used as a noun to refer to something
  • pronoun
  • Referring an object far away
  • Used to refer to the relative pronoun ‘which’

index

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US / ˈɪndeks /

UK / ˈɪnˌdɛks /

A2
  • noun
  • Number showing how prices, wages changed over time
  • Written or printed (usually alphabetical) list
  • verb
  • To adjust a value/wages as other things change
  • To make a list of things in alphabetical order

like

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US / laɪk /

UK / laɪk /

A1
  • adjecitve
  • Being equal in status or kind to something else
  • Similar; the same
  • adverb
  • For example
  • preposition
  • Used as a filler; used to ad emphasis
  • In a way similar to the way something is done
  • Such as; for example
  • verb
  • To want to
  • To find something pleasing; to prefer something

absolute

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US / ˈæbsəlu:t /

UK / ˈæbsəˌlut /

A2
  • adjecitve
  • Complete; total; pure; not limited in any way
  • noun
  • Something that is complete, total, pure, certain

about

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US / ə'baʊt /

UK / əˈbaʊt /

A1
  • adverb
  • To be ready to; going to
  • Nearly; approximately; roughly
  • Near; next to; close to
  • In every direction; in the area of
  • preposition
  • Concerning or of (a topic)

again

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US / ə'ɡen /

UK / əˈɡɛn /

A1
  • adverb
  • One more time, once more

mean

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US / mi:n /

UK / min /

A1
  • adjecitve
  • Being good at
  • Nasty; unkind
  • Not liking to spend money; cheap; stingy
  • noun
  • Average of a set of numbers
  • verb
  • To express a particular idea or thought
  • To intend to do something in particular
  • To have a particular meaning or value

price

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US / praɪs /

UK / praɪs /

A1
  • noun
  • Person's name
  • Cost of something in money
  • verb
  • To determine or set the cost of something

investor

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US / ɪnˈvestə(r) /

UK / ɪnˈvɛstɚ /

A2
  • noun
  • Person who spends money to help businesses grow

commercial

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US / kəˈmə:ʃəl /

UK / kəˈmɚʃəl /

B1
  • adjecitve
  • noun
  • Radio or television advertisement

you

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US / jʊ /

UK / ju /

A1
  • pronoun
  • Person someone is speaking or writing to
  • Person or people in general

year

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US / jə: /

UK / jɪr /

A1
  • noun
  • Unit of time equal to 12 months or 365 or 366 days
  • Used to refer to the age of a person

how

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US / haʊ /

UK / haʊ /

A1
  • adjecitve
  • To what degree? in what amount?
  • adverb
  • (Used to explain the way to do something)
  • exclamation
  • For what purpose or reason?
  • (Used to ask someone or something's condition)

kind

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US / kaɪnd /

UK / kaɪnd /

A1
  • adjecitve
  • In a caring and helpful manner
  • friendly and considerate
  • noun
  • One type of thing

five

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US / faɪv /

UK / faɪv /

A1
  • number
  • 5

this

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US / ðɪs /

UK / ðɪs /

A1
  • adjecitve
  • Used to indicate something already been discussed
  • Used to indicate something happening around now
  • adverb
  • An indication by a physical motion or gesture
  • A specific amount of
  • determiner
  • Person, thing, or idea near you
  • pronoun
  • Person, thing that has already been discussed

play

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US / pleɪ /

UK / pleɪ /

A1
  • noun
  • Loose, free movement between two objects
  • Single action in a sports game
  • Performance in which people act in a theater
  • verb
  • To act as a character in a movie, or on stage
  • To perform music on an instrument
  • To use a device, e.g. a video game
  • To do something for enjoyment and fun
  • To do or perform a game or sport

free

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US / fri: /

UK / fri /

A1
  • adjecitve
  • Living, happening without being controlled
  • Costing no money
  • Not working; not busy
  • verb
  • To release (e.g. bird) from a cage or prison

congress

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US / 'kɒŋɡres /

UK / ˈkɑŋɡrɪs /

B1
  • noun
  • Meeting of elected or appointed representatives
  • American governing body of elected representatives

ones

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US / wʌnz /

UK / wʌnz /

A1
  • number
  • Number 1, a single person or thing

make

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US / meɪk /

UK / mek /

A1
  • noun
  • Product made by a particular company; brand
  • verb
  • To arrange or prepare something e.g. dinner
  • To get to (a place) on time
  • To gain the status of (teacher, lawyer, etc.)
  • To create something by putting things together
  • To earn a certain amount of money at a job
  • To cause or force a person to do something
  • To cause something to happen or be formed

bank

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US / bæŋk /

UK / bæŋk /

A1
  • noun
  • A financial institution that keeps or lends money
  • The side of a river
  • A row of things in lines (e.g. computers)
  • verb
  • To put or keep your money in a bank
  • To turn a plane when flying; (of a plane) to turn

wall

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US / wɔ:l /

UK / wɔl /

A1
  • noun
  • High, flat side of a room or building

the

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US / ðə /

UK / ðə /

A1
  • article
  • Used to refer to something already mentioned
  • Used to show there is only one of something
  • determiner
  • Used to describe all of a family

mention

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US / 'menʃn /

UK / ˈmɛnʃən /

A2
  • noun
  • Act of referring to or talking about something
  • verb
  • To refer to or talk or write about something

offset

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US / ˈɒfset /

UK / ˈɔ:fset /

B1
  • adjecitve
  • (Of printing) using inked plates
  • noun
  • Compensation or counterbalance
  • verb
  • To compensate for or counterbalance the effect of

might

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US / maɪt /

UK / maɪt /

A1
  • other
  • Used to politely request an action
  • Used to express that something could happen
  • Power, strength, force or influence

let

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US / let /

UK / lɛt /

A1
  • verb
  • To allow someone to do something
  • Introducing a suggestion to do something together
  • To rent a house, etc. to others

little

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US / 'lɪtl /

UK / ˈlɪtl /

A1
  • adjecitve
  • Being short in length of time
  • Not great in size, amount, or degree; small
  • Being very young or younger than others
  • adverb
  • By an amount or degree that is not very much
  • Not often; rarely
  • noun
  • A person's name

open

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US / 'əʊpən /

UK / ˈopən /

A1
  • adjecitve
  • Available for use; accessible
  • Not being hidden; available for others to see
  • Being available for customers to enter or use
  • Allowing everyone to use or take part in
  • Not secret anymore
  • Not closed or shut
  • Willing to accept new ideas and thoughts
  • noun
  • Name for a tennis or golf competition
  • verb
  • To make accessible or able to be used, e.g. road
  • To start the activities or services of a business
  • To make a space or hole appear in something
  • To move or change so that it is no longer closed
  • To start something, e.g. a new business

one

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US / wʌn /

UK / wʌn /

A1
  • pronoun
  • You; we; people in general; someone
  • The thing or person previously referred to
  • adjecitve
  • Used to refer to people generally
  • Being a strong example of (something mentioned)
  • number
  • Number 1

into

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US / 'ɪntə /

UK / ˈɪntu /

A1
  • preposition
  • Moving or going inside something
  • In the same direction as; in the direction of
  • So as to become; taking the state of

follow

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US / ˈfɔləu /

UK / ˈfɑlo /

A1
  • verb
  • To come after someone; be guided by someone
  • To support someone, e.g. singer or comedian
  • To be the logical result of something
  • To happen after something else happens
  • To believe a set of values or a moral teacher
  • To understand something happening or being said

although

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US / ɔ:lˈðəu /

UK / ɔlˈðo /

A1
  • conjunction
  • Despite the fact that; however

three

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US / θri: /

UK / θri /

A1
  • number
  • Number 3

term

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US / tɜ:m /

UK / tɚm /

A1
  • noun
  • Conditions applying to an agreement, contract
  • Length of time something is expected to happen
  • Fixed period of weeks for learning at school
  • The (precise) name given to something
  • verb
  • To call; give a name to

jason

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US / ˈdʒeɪsən /

UK / ˈdʒesən /

A1
  • proper noun
  • The son of the king of Iolcos in Thessaly, and leader of the Argonauts in the quest for the Golden F

alliance

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US / əˈlaɪəns /

UK / əˈlaɪəns /

B1
  • noun
  • Group of people/organizations working together

strong

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US / strɒŋ /

UK / strɔŋ /

A1
  • adjecitve
  • (Of tea or beer) dark or thick
  • Having big muscles; physically powerful

positive

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US / ˈpɒzətɪv /

UK / ˈpɑzɪtɪv /

A2
  • adjecitve
  • Showing agreement or support for something
  • Being sure about something; knowing the truth
  • Having the charge produced by electrons
  • Being good or useful
  • Showing that a chemical is present in a test

ppi

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US / ˌpiː piː ˈaɪ /

UK / ˌpiː piː ˈaɪ /

A1
  • abbreviation
  • Pixels per inch, a measure of the resolution of display screens, scanners, and printers.
  • Payment protection insurance, a form of insurance intended to cover loan or credit card repayments i

much

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US / mʌtʃ /

UK / mʌtʃ /

A1
  • adjecitve
  • Very; to a high level or degree
  • adverb
  • A lot; large amount; a high degree of
  • Nearly; basically
  • On many occasions; often
  • noun
  • A large amount; a great quantity

inch

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US / ɪntʃ /

UK / ɪntʃ /

A1
  • noun
  • 1/12th of a foot (2.54 centimeters)
  • Very small distance
  • verb
  • To move or cause to move a small bit at a time

within

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US / wɪˈðɪn /

UK / wɪðˈɪn, wɪθ- /

A1
  • adverb
  • Inside the limits of an area, time or range
  • preposition
  • From the inside of something

well

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US / wel /

UK / wɛl /

A1
  • adjecitve
  • Being in a fortunate, good condition or state
  • Healthy and in good condition
  • adverb
  • In an acceptable, proper, or successful manner
  • In a complete, total, or full manner
  • A great and considerable degree
  • In a successful way, in a good or satisfactory way
  • exclamation
  • Used to begin or continue a particular statement
  • Used to show you want to start saying something
  • Used to express that you are waiting for a reply
  • You say this to change the topic of a conversation
  • Used to indicate you are making a final remark
  • noun
  • Long deep hole in the ground to get water
  • verb
  • To cause your eyes to fill with tears

discussion

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US / dɪˈskʌʃn /

UK / dɪˈskʌʃən /

A2
  • noun
  • Any long communication about a particular topic

stuff

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US / stʌf /

UK / stʌf /

A1
  • noun
  • Generic description for things, materials, objects
  • verb
  • To push material inside something, with force

myself

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US / maɪˈself /

UK / maɪˈsɛlf /

A1
  • pronoun
  • The same person who did the action mentioned
  • My regular, usual, or healthy self

linger

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US / ˈlɪŋgə(r) /

UK / ˈlɪŋɡɚ /

B2
  • verb
  • To take your time doing something; hang around

eight

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US / eɪt /

UK / et /

A1
  • number
  • 8

bottoming

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US / 'bɒtəmɪŋ /

UK / 'bɒtəmɪŋ /

A2
  • verb
  • To hit the lowest part of something

banking

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US / ˈbæŋkɪŋ /

UK / ˈbæŋkɪŋ /

A2
  • noun
  • Act of keeping your money in a bank
  • verb
  • To put or keep your money in a bank
  • To turn a plane when flying; (of a plane) to turn

somewhere

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US / 'sʌmweə(r) /

UK / ˈsʌmˌhwɛr, -ˌwɛr /

A1
  • adverb
  • At or to an unknown or unnamed place

talk

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US / tɔ:k /

UK / tɔk /

A1
  • noun
  • Style of speaking
  • Discussion between two countries
  • Giving information in front of people; lecture
  • Saying things or ideas to someone with words
  • verb
  • To make a formal speech about something
  • To say things or ideas to someone with words

just

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US / dʒʌst /

UK / dʒʌst /

A1
  • adjecitve
  • Proper or appropriate; as is deserved
  • Doing or being what is right or fair
  • Legally correct; having enough evidence
  • adverb
  • Almost; nearly
  • Exactly at the time of
  • Exactly (the same as, like)

solid

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US / 'sɒlɪd /

UK / ˈsɑlɪd /

A2
  • adjecitve
  • Being able to be trusted; reliable
  • Substance that is hard or of fixed shape
  • Being well made and expected to last long
  • Having no space or emptiness inside
  • Being made entirely of one material or substance
  • noun
  • Something firm or hard; not gas or liquid

time

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US / taɪm /

UK / taɪm /

A1
  • noun
  • Speed at which music is played; tempo
  • Point as shown on a clock, e.g. 3 p.m
  • Number of hours, minutes needed to do something
  • Occasion when something happens
  • Period or occasion that something occurred
  • Period in history or the past
  • Something measured in minutes, hours, days, etc.
  • How long an event takes; duration
  • verb
  • To check speed at which music is performed
  • To choose a specific moment to do something
  • To measure how long an event takes, e.g. a race
  • To schedule something to occur at a specific moment

through

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US / θru: /

UK / θru /

A2
  • adjecitve
  • having finished using or doing something
  • adverb
  • From the beginning of something until the end
  • preposition
  • Over, in, across an entire thing or place
  • Allowing you to pass between, or to
  • By a particular way or process; by the use of

scream

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US / skri:m /

UK / skrim /

A2
  • noun
  • A sudden loud, high-pitched noise
  • verb
  • To make a sudden loud, high sound

for

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US / fə(r) /

UK / fɔr,fə /

A1
  • preposition
  • Used to show the purpose, or need of something

stable

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US / 'steɪbl /

UK / ˈstebəl /

A2
  • adjecitve
  • In a position where something does not fall over
  • Having a chemical state that is not easily changed
  • Reacting in an even way; having good mental health
  • In good condition, and not likely to deteriorate
  • noun
  • Group of racing horses that belong to one owner
  • verb
  • To put horses in a stable

period

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US / ˈpɪəriəd /

UK / ˈpɪriəd /

A1
  • noun
  • Set amount of time during which events take place
  • A way to emphasize what you will say
  • A full stop (.), marking the end of a sentence
  • A menstrual cycle
  • A set time for a class to be held

crisis

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US / 'kraɪsɪs /

UK / ˈkraɪsɪs /

B1
  • noun
  • Unstable situation of extreme danger or difficulty

anywhere

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US / ˈeniweə(r) /

UK / ˈeniwer /

A1
  • adverb
  • To any extent or degree (often used with not)
  • In, at or to any place
  • other
  • Use to indicate limits or variation

will

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US / wɪl /

UK / wɪl /

A1
  • noun
  • Desire or choice of someone
  • Document saying who gets your money when you die
  • Strong desire to do something; determination
  • Desire to do something; strong wish to do
  • other
  • Used with verbs to express the future
  • verb
  • To leave property to someone after your death
  • To use mental effort to make something happen
  • Am (is, are) likely to do
  • To influence someone to do something
  • To make something happen by strongly wanting it

thousand

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US / ˈθaʊznd /

UK / ˈθaʊzənd /

A1
  • number
  • Number 1,000

overcome

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US / ˌəʊvə'kʌm /

UK / ˌovɚˈkʌm /

A2
  • verb
  • To succeed in a struggle against; defeat

many

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US / 'menɪ /

UK / ˈmɛni /

A1
  • determiner
  • Used to refer a large number of things

guess

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US / ɡes /

UK / ɡɛs /

A1
  • noun
  • Answer given when you don't know if it is correct
  • verb
  • To give an answer without knowing if it is correct

valley

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US / 'vælɪ /

UK / ˈvæli /

A2
  • noun
  • Area between mountains with river running through

point

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US / pɔɪnt /

UK / pɔɪnt /

A1
  • noun
  • An item to be discussed
  • Small spot or dot
  • Fact or detail
  • Feature of something
  • The size of the text on a page or screen
  • A certain time or stage in a process
  • Certain position in time or space
  • Idea or fact you try to convince people about
  • Measurement of scores in a game, sport
  • Sharp end of something, e.g. a pen or pin
  • verb
  • To face a certain direction, e.g. north
  • To indicate something with your finger to others

here

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US / hɪə(r) /

UK / hɪr /

A1
  • adverb
  • In this place; at this location, position or time

earning

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US / 'ɜ:nɪŋ /

UK / 'ɜ:nɪŋ /

A2
  • verb
  • To deserve something because you worked for it
  • To get money for work

wait

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US / weɪt /

UK / wet /

A1
  • verb
  • To delay or not do something until later
  • To spend time until an expected thing happens
  • To remain in a place until a thing happens

scott

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US / skɔt /

UK / skɑt /

A1
  • other
  • Award-winning United States film actor

safe

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US / seɪf /

UK / sef /

A2
  • noun
  • Metal box with a lock to keep valuable things in
  • adjecitve
  • Highly likely
  • Being out of danger

obviously

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US / ˈɒbviəsli /

UK / ˈɑːbviəsli /

A2
  • adverb
  • In a way that is obvious/easy to see or understand

four

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US / fɔ:(r) /

UK / fɔr, for /

A1
  • number
  • 4

economy

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US / ɪ'kɒnəmɪ /

UK / ɪˈkɑnəmi /

A1
  • noun
  • Using money, resources in a careful, effective way
  • Total of all goods, services and wages in an area

debacle

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US / deɪˈbɑ:kl /

UK / dɪˈbɑkəl,-ˈbækəl /

C1
  • noun
  • Sudden ruin or defeat; downfall; a total failure

component

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US / kəmˈpəʊnənt /

UK / kəmˈponənt /

A2
  • adjecitve
  • Being a part of something
  • noun
  • One of the parts that something is made up of

too

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US / tu: /

UK / tu /

A1
  • adverb
  • In addition, also; with emphasis
  • Say that something is more than you want

past

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US / pɑ:st /

UK / pæst /

A2
  • adjecitve
  • No longer current or new
  • adverb
  • So as to go beyond, or further than something
  • noun
  • Time that existed before now, e.g. long ago
  • preposition
  • After a particular time
  • At a later point in distance; beyond

market

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US / ˈmɑ:kɪt /

UK / ˈmɑ:rkɪt /

A1
  • noun
  • Need or demand for a particular product or service
  • Area or region where a certain product is sold
  • Public event where people sell goods on tables
  • Institution where stocks are bought and sold
  • verb
  • To publicize products to get you to buy; advertise

inflation

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US / ɪn'fleɪʃn /

UK / ɪnˈfleʃən /

B1
  • noun
  • Act of filling something with air or gas
  • Continual rise in the prices of products

feel

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US / fi:l /

UK / fil /

A1
  • verb
  • To be aware of or experience an emotion, sensation
  • To sense through direct contact; touch

healthy

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US / ˈhelθi /

UK / ˈhɛlθi /

A1
  • adjecitve
  • In good condition physically, or financially; well

flick

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US / flɪk /

UK / flɪk /

B1
  • noun
  • Hitting something with your finger to move it
  • verb
  • To hit something with your finger to move it
  • To move a button, switch from on, off positions

concern

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US / kənˈsɜ:n /

UK / kənˈsɚn /

A2
  • noun
  • Company, firm or business
  • Feeling of worry or anxiety
  • verb
  • To be about a particular topic
  • To have a direct impact on someone
  • To be responsible or mixed up in; to be involved
  • To feel worry or anxiety

flow

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US / fləʊ /

UK / flo /

A2
  • noun
  • Amount of something that moves through an area
  • verb
  • To move steadily and easily in a certain direction

debt

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US / det /

UK / dɛt /

A2
  • noun
  • Sum of money owed to someone that is not yet paid

valuation

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US / ˌvæljuˈeɪʃn /

UK / ˌvæljuˈeɪʃn /

B1
  • noun
  • Price of something, determined by expert
  • Judgment of how good something is

sort

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US / sɔ:t /

UK / sɔrt /

A1
  • noun
  • Group or class of similar things or people
  • verb
  • To organize things by putting them into groups
  • To deal with things in an organized way

exactly

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US / ɪgˈzæktli /

UK / ɪɡˈzæktli /

A1
  • adverb
  • No more and no less than; precisely

continue

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US / kən'tɪnju: /

UK / kənˈtɪnju /

A1
  • verb
  • To do something without stopping, or after pausing
  • To start doing again after a break, pause, or stop

debate

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US / dɪ'beɪt /

UK / dɪˈbet /

A2
  • noun
  • General public discussion of a topic
  • A formal event where two sides discuss a topic
  • verb
  • To consider options before making a decision
  • To take part in a formal discussion

see

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US / si: /

UK / si /

A1
  • verb
  • To go on a date with someone
  • To predict whether something is, or will be true
  • To understand what someone says
  • To use your eyes to look at something
  • To visit a place often for sightseeing or pleasure
  • To visit or meet with someone
  • To find out by waiting or looking
  • To watch (a game, movie or TV show)

rely

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US / rɪ'laɪ /

UK / rɪˈlaɪ /

B2
  • verb
  • Depend on with full trust or confidence

negative

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US / 'neɡətɪv /

UK / ˈnɛɡətɪv /

A2
  • adjecitve
  • Being harmful, unwanted or unhelpful
  • In mathematics, being less than zero
  • Focusing on the bad aspects; pessimistic
  • noun
  • The opposite to a positive electrical charge
  • In grammar, containing words such as 'no' or 'not'
  • Reply to a question or statement that means 'no'
  • Image on camera film used to make a photo

with

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US / wɪð /

UK / wɪð, wɪθ /

A1
  • preposition
  • As an employee of a certain company
  • Against something or someone
  • By using something as a means
  • Due to; because of
  • Including
  • Possessing as a feature
  • Related to
  • (Of the manner/attitude by which you do something)
  • Used to express that people or things are together

process

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US / prə'ses /

UK / ˈprɑsˌɛs, ˈproˌsɛs /

A2
  • noun
  • Dealing with official forms in the way required
  • Set of changes that occur slowly and naturally
  • verb
  • To organize and use data in a computer
  • To deal with official forms in the way required
  • To prepare by treating something in a certain way
  • To adopt a set of actions that produce a result
  • To convert by putting something through a machine

percent

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US / pə'sent /

UK / pɚˈsɛnt /

A2
  • adverb
  • One one-hundredth of a whole; the symbol %

datum

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US / ˈdeɪtəm /

UK / ˈdetəm, ˈdætəm, ˈdɑtəm /

B1
  • noun
  • Item of factual information

western

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US / ˈwestən /

UK / ˈwestərn /

A1
  • adjecitve
  • Movies often about cowboys in the American West
  • Coming from, found in, or facing towards the west

squirrely

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US / ɪnˈvɜ:s /

UK / ˈɪnˌvə:s /

A1

six

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US / sɪks /

UK / sɪks /

A1
  • number
  • 6

part

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US / pɑ:t /

UK / pɑ:rt /

A1
  • adjecitve
  • To some degree; half; not fully
  • noun
  • Division of a book
  • Ratio of something, e.g. 3 of gin, 1 of tonic
  • A line in a person's hair, made with a comb
  • Character an actor plays on stage, movie, or TV
  • Some, but not all of a specific thing
  • Role in causing something to happen
  • verb
  • To make a line in a person's hair, by using a comb
  • To move two things apart creating a space
  • To leave someone, or to break off a relationship

have

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US / həv /

UK / hæv /

A1
  • verb
  • To drink, smoke, eat or use something
  • To experience the effects of something
  • To organize an event, or join in an activity
  • To own, possess, or hold something
  • To cause to happen or produce a particular effect

last

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US / lɑ:st /

UK / læst /

A1
  • adjecitve
  • Most recent; the latest
  • The one before
  • adverb
  • Final; with nothing following; after all others
  • Most recent; the latest
  • determiner
  • The one at the end
  • verb
  • To remain or continue for a certain period of time

almost

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US / 'ɔ:lməʊst /

UK / ˈɔlˌmost, ɔlˈmost /

A1
  • adverb
  • Only a little less than, nearly, not quite

end

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US / end /

UK / ɛnd /

A1
  • noun
  • The point where a process or activity stops
  • A point that marks the limit of something; finish
  • Goal or desired result
  • The tip, edge or limit of something
  • verb
  • To be the last part of something

weak

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US / wi:k /

UK / wik /

A1
  • adjecitve
  • Not having a strong character
  • Less valuable compared to money of other countries
  • Ineffective; unconvincing; not strong
  • Having little power or ability
  • Not having the necessary or proper amount
  • Having little power; not strong; easy to break
  • (Of a drink) having lots of water and little taste

feed

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US / fi:d /

UK / fid /

A2
  • noun
  • Food given to animals
  • verb
  • To give food, e.g. to animals or a baby
  • To push something through an opening
  • To provide necessary supplies to

moment

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US / 'məʊmənt /

UK / 'moʊmənt /

A1
  • noun
  • Very short or brief period of time
  • A particular period in time

ninety

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US / 'naɪntɪ /

UK / ˈnaɪnti /

A1
  • number
  • 90

know

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US / nəʊ /

UK / noʊ /

A1
  • verb
  • To be familiar with a person or place, thing
  • To feel sure or be convinced about something
  • To discover or be aware of something
  • To be able to distinguish
  • To have knowledge of things

could

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US / kəd /

UK / kʊd /

A1
  • other
  • Past form of 'can' to mean have ability
  • Used to ask for something politely, or to offer

problem

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US / ˈprɒbləm /

UK / ˈprɑbləm /

A1
  • adjecitve
  • Causing trouble
  • noun
  • Something difficult to deal with or causes trouble
  • Question to show understanding of a math concept

next

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US / nekst /

UK / nɛkst /

A1
  • adverb
  • The one that follows another in time or order
  • At a time or place directly after the present one
  • noun
  • The one that follows after
  • adjecitve
  • Immediately after the previous one
  • First occurrence after the present one

economic

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US / ˌi:kəˈnɒmɪk /

UK / ˌɛkəˈnɑmɪk, ˌikə- /

A2
  • adjecitve
  • Concerning trade, industry, and money

blow

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US / bləʊ /

UK / blo /

A2
  • noun
  • Something that causes you difficulty or sadness
  • Act of making air come out of your mouth
  • A hit or strike from an object
  • verb
  • To move something using air
  • To make air come quickly out of your mouth
  • To clear something by forcing air through it

month

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US / mʌnθ /

UK / mʌnθ /

A1
  • noun
  • One of 12 28-31 day periods in the year

hundred

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US / 'hʌndrəd /

UK / ˈhʌndrɪd /

A1
  • number
  • 100

where

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US / hwɛə /

UK / hwɛr, wɛr /

A1
  • conjunction
  • At or in the place which
  • In whatever place
  • pronoun
  • Word you use to ask the location of something

recession

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US / rɪˈseʃn /

UK / rɪˈsɛʃən /

B2
  • noun
  • Act of moving backward gradually
  • Decreased business activity, when work is scarce

jobless

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US / /

UK / /

B1
  • adjecitve
  • Not having a job

call

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US / kɔ:l /

UK / kɔl /

A1
  • noun
  • A order or request for action
  • The sound an animal makes, often when in danger
  • A correct prediction, e.g. a decision in a game
  • A short visit to a place or person
  • A decision by a referee or umpire in a game
  • verb
  • To make a request or order for action
  • (Animal) to make sounds to warn of danger
  • To announce the date of an election
  • To make a judgment about something
  • To give someone or something a name
  • To guess in advance the result or outcome
  • To visit a place or person for a short time
  • To phone someone
  • To speak, announce or shout in a loud voice

until

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US / ənˈtɪl /

UK / ʌnˈtɪl /

A1
  • conjunction
  • Up to; to a time when something happens
  • preposition
  • Before (a specific time)

regional

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US / ˈri:dʒənl /

UK / ˈridʒənəl /

B1
  • adjecitve
  • Of a particular area, not the whole of a country

major

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US / 'meɪdʒə(r) /

UK / ˈmedʒɚ /

A2
  • adjecitve
  • Main league; esp. referring to American baseball
  • Important, serious, or large in scope, size
  • noun
  • High-ranking officer in the army
  • Main subject you study at university
  • verb
  • To study a particular subject at university

moderate

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US / ˈmɒdərət /

UK / ˈmɑdərɪt /

B1
  • adjecitve
  • Being average in quantity or size
  • verb
  • To host a meeting or panel discussion
  • To make something less violent, severe, or strong
  • To come between people to help solve an argument
  • To reduce the severity, violence, or strength of

estate

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US / ɪˈsteɪt /

UK / ɪˈstet /

A2
  • noun
  • A large piece of land, usually with a large house
  • Group of houses all built at the same time

and

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US / ənd /

UK / ənd, ən,ænd /

A1
  • conjunction
  • Used to refer to two or more things
  • Plus; in addition; on top of that
  • Used to introduce an action that follows another

real

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US / rɪəl /

UK / ˈriəl, ril /

A1
  • adjecitve
  • Actually existing or happening, not imagined
  • Being important or special

issue

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US / 'ɪʃu: /

UK / ˈɪʃu /

A2
  • noun
  • Important topic discussed, debated or argued over
  • Single edition of a magazine
  • verb
  • To make something available to be used or sold
  • To deliver a statement, etc. in an official manner

two

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US / tu: /

UK / tu /

A1
  • number
  • 2

ten

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US / ten /

UK / tɛn /

A1
  • number
  • 10

only

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US / ˈəunli /

UK / ˈonli /

A1
  • adverb
  • Just one; just that amount or thing; not more than
  • Not very important or serious
  • Just that type of thing, person
  • Short time ago; not before a certain time
  • conjunction
  • Except; but

think

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US / θɪŋk /

UK / θɪŋk /

A1
  • verb
  • To have an idea about something without certainty
  • To have an idea, opinion or belief about something

come

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US / kʌm /

UK / kʌm /

A1
  • verb
  • To arrive at a place
  • (Of mail) to be delivered
  • To move toward someone; go with someone
  • To reach a certain point or state

large

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US / lɑ:dʒ /

UK / lɑ:rdʒ /

A1
  • adjecitve
  • Big; of great size; broad, tall, wide, or fat

consecutive

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US / kənˈsekjətɪv /

UK / kənˈsɛkjətɪv /

B2
  • adjecitve
  • Following one after the other in order

drift

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US / drɪft /

UK / drɪft /

B1
  • verb
  • (Of sand, etc.) to be blown into heaps by the wind
  • (Of boats) to move without purpose on water
  • To move or live without a purpose or goal
  • To move slowly or effortlessly in water or air

unsettle

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US / ˌʌnˈsetl /

UK / ʌnˈsɛtl: /

B2
  • verb
  • To upset; making someone feel uneasy

national

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US / 'næʃnəl /

UK / ˈnæʃənəl, ˈnæʃnəl /

A2
  • adjecitve
  • Concerning a nation as a whole
  • noun
  • A person of a particular country

over

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US / 'əʊvə(r) /

UK / ˈovɚ /

A1
  • adverb
  • Finished; no longer happening
  • Towards the ground/away from a standing position
  • noun
  • A set of six consecutive balls bowled in cricket
  • other
  • Finished
  • preposition
  • Showing the relation when a thing is above another
  • On or covering something
  • Above or across something
  • More than you need
  • From one side to the other
  • In the direction of; toward

outflow

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US / ˈaʊtfləʊ /

UK / ˈaʊtfloʊ /

A1
  • noun
  • Process of flowing out, e.g. of emotion

out

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US / aʊt /

UK / aʊt /

A1
  • adverb
  • No longer stylish (e.g. fashion)
  • Away from home, business, or the usual place
  • In a direction/movement away from inside or center
  • noun
  • Act when a batter cannot continue playing
  • verb
  • To tell people a secret

median

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US / ˈmi:diən /

UK / ˈmidiən /

B2
  • adjecitve
  • Being in the middle or average
  • noun
  • Middle of an ordered set of numbers

horizon

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US / həˈraɪzn /

UK / həˈraɪzn /

B1
  • noun
  • Line where the earth or sea meets the sky
  • Limits of someone's experience or understanding

from

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US / frəm /

UK / frʌm, frɑm,frəm /

A1
  • preposition
  • Starting at a particular place, time or level

something

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US / ˈsʌmθɪŋ /

UK / ˈsʌmθɪŋ /

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  • adverb
  • In some degree or measure
  • noun
  • a person or thing of some value or consequence
  • pronoun
  • Thing that is not yet known or named
  • Approximately

unemployment

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US / ˌʌnɪmˈplɔɪmənt /

UK / ˌʌnɛmˈplɔɪmənt,-ɪm- /

B1
  • noun
  • Number of people without jobs in a country
  • State of not having a job

slash

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US / slæʃ /

UK / slæʃ /

B2
  • noun
  • Line ( / ) used in writing
  • Long, deep cut, caused by a sharp object
  • verb
  • To cut violently with a sharp object
  • To decrease something by a large amount

name

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US / neɪm /

UK / nem /

A1
  • noun
  • What something or someone is called
  • verb
  • To state what someone is called, e.g. John

mess

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US / mes /

UK / mɛs /

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  • noun
  • Something that is untidy, dirty or unclean
  • verb
  • To make something untidy or dirty

josh

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US / dʒɒʃ /

UK / dʒɑ:ʃ /

A1
  • noun
  • Good-natured banter.
  • transitive verb
  • Tease (someone) in a playful way.

forty

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US / 'fɔ:tɪ /

UK / ˈfɔrti /

A1
  • number
  • 40

forever

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US / fər'evə(r) /

UK / fɔrˈɛvɚ, fə- /

B1
  • adverb
  • For all future time; in the future

couple

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US / 'kʌpl /

UK / ˈkʌpəl /

A2
  • noun
  • Two people in a romantic relationship
  • Two of something; two people; a pair
  • verb
  • To join something to something else
  • (Two animals) to engage in sexual relations
  • To put two people or things together
  • Introduction to Video Content
  • The bank crisis shows no signs of abating, as doubts continue to linger among depositors. Requisite Capital's Talking emphasizes that until depositors regain confidence, the crisis is likely to persist. The market is weighed down by a combination of factors, including recession fears, regional bank troubles, and ongoing debt ceiling debates. Despite claims that the regional banking crisis is over, PAC West contradicts this notion, indicating that the situation is far from resolved. Death by a thousand cuts seems to be the fate of regional banks, as stability remains elusive.
    Contrary to recession fears, unemployment currently stands at 3.4 percent. However, this positive indicator fails to alleviate concerns in the market. Powell's statement regarding the end of the regional banking crisis is met with skepticism, particularly due to PAC West's contrary stance. The flow of deposits, previously assumed to be stable, has proven to be anything but. This lack of stability underscores the importance of Congress, the FDIC, and the Fed coming together to restore confidence among depositors. The overall lack of confidence in the banking system is detrimental to the market's health.
    The challenges facing the market are substantial. Mounting jobless claims, the highest in 18 months, further compound existing worries. Regional banks, such as PAC West, continue to struggle and witness significant declines. Deposit flows are dwindling, as evidenced by the decline in PAC West, Bank United, Valley National, First Horizon, and Western Alliance. These issues are compounded by the looming debt debate debacle, inching ever closer to a collision.
    The major overhang on the market is undoubtedly the impending debt debate, which carries significant weight. However, it is worth noting that some aspects of this crisis may be theater, with certain parties delaying action until the last possible moment. Nevertheless, this ongoing uncertainty and delay add to the market's burdens. The coming weeks will be critical in addressing both the regional bank outflows and the broader debt debate.
    In summary, the bank crisis remains a pressing concern, fueled by doubts among depositors. The market is heavily impacted by recession fears, regional bank struggles, and ongoing debt ceiling debates. The stability of regional banks remains fragile, leading to a steady erosion of deposits. Restoring depositor confidence is crucial, requiring collaboration between Congress, the FDIC, and the Fed. Additionally, the market faces challenges in the form of high jobless claims and the impending debt debate. These issues create a significant overhang on the market, requiring prompt action and resolution.
  • Subtitles section
  • You've got recession fears, you've got regional bank mess, you've got debt ceiling continuing, and all of that is kind of weighing on the market yet again.
  • So we have recession fears, yet unemployment is now 3.4 percent.
  • Powell said the regional banking crisis is over, yet we have PAC West is telling us it's not over.
  • And I think within the regional banks, this death by a thousand cuts just does not work.
  • Everyone said that the deposit flows were stable.
  • Well, guess what?
  • They aren't stable.
  • And so I think until you get Congress, the FDIC and the Fed to come together and make depositors feel safe, because this is a confidence issue, we are going to continue to see this.
  • And that is not healthy for the market.
  • I mean, are these are these issues, do you think, Jason, too much to overcome in terms of you got jobless claims, the highest in 18 months?
  • You know, so the economic data has been been a little squirrely.
  • The regional bank overhang continues, as we said, PAC West is is declining sharply yet again.
  • Deposits are fleeing week to date, PAC West down 24, Bank United down 12, Valley National down 12, First Horizon, Horizon, Western Alliance.
  • Right.
  • You get my drift.
  • And then the overhang on all of that is this debt debate debacle, which is just sort of inching towards crashing into the wall.
  • You got it, Scott.
  • And I think that is the major overhang, although I mentioned last week, I think there's there's some theater that plays a role here.
  • And there's some responsibility on their end.
  • And I think they'll wait to the last absolute minute to get something done.
  • But that that is an overhang.
  • I mean, we're in this kind of interesting period in the next couple of weeks where that's part of the discussion to Bryn's point on regional banks and outflows.
  • That's that's a scary, you know, development.
  • Ten percent of PAC West flows going somewhere else.
  • Earnings have been solid, you know, PPI and CPI yesterday.
  • Obviously, inflation is moderating, but we're still in a space where there's still some follow through that needs to happen.
  • I think that's what the market is weighing.
  • So, Josh, let me throw it out to you.
  • How are you looking at the market today, given, you know, a consecutive pretty good read on inflation, but offset by, you know, these lingering and looming concerns about what's happening not only now with the economy,
  • What might happen, the debt ceiling, regional banks, the unsettled feeling that we, you know, that we're witnessing here.
  • And yet again, So I think there's this tendency on the part of investors, myself included, to envision bottomings as being like some sort of an event or some sort of a V shape.
  • And we're well within our rights to do that because so many important bottoms have been exactly that over the last five to 10 years.
  • It's almost become one of the only formations you can really rely on.
  • The problem is, I don't think that the banking slash debt slash commercial real estate bottoming process is going to be a V. I don't think it's going to play out that way.
  • Instead, I think it's going to be more like what we're seeing right now, but it's going to go on almost forever.
  • Like we could be talking about commercial real estate and building valuations blowing up two years from now, three years from now.
  • So I don't think you're going to get that cathartic moment where we say, all right, that's it.
  • It's over.
  • So look at the KRE, because this is the open wound in the market right now.
  • Let's call it what it is.
  • The median stock in the KRE is down 38 percent over the past year and about 33 percent year to date.
  • And there are some very strong banks in that index, but there are obviously some very weak ones.
  • Only four stocks out of the one hundred and forty three names that make up the index that the KRE represents are positive on the year.
  • Ninety seven percent of the components are negative year to date.
  • And the median P.E. is down to seven.
  • The median price book is down to point eight times and the median price to free cash flow is six point five times.
  • What that is telling you, what that's screaming at you is that the market by and large does not think that this is anywhere near being over the deposit stuff.