SIVB
SVB Financial Group
stock NASDAQ

The FED straight up created magical funds to make the who SIVB and SBNY members whole. Go ahead and look it up. Ok i'll grab a quick search.
* [**Guaranteed Deposits**](https://www.google.com/search?cs=1&sca_esv=f24ca8b027933cc4&sxsrf=AHTn8zrqGwhiqd7gG1WlC-eHPMRu9HtZKg%3A1747882205154&q=Guaranteed+Deposits&sa=X&ved=2ahUKEwj3mo3PiLaNAxW2DEQIHb9zCAwQxccNegQIEBAB&mstk=AUtExfBy5ZqJQT9PQgVHePRpqUqU10kmIftdTxVZWqpni1UwpcRgzUNpWhy0kuoDBp8ndsf4hbNJtG6ewYg4qN0bHvdzBImZwPVx9skqotLuA4rktLckT_GYZoOujmIhcRTUuG5PK6lfva7SNfIoSeFm-NSkd05S8hyifN2A-GMRKxFomeQ&csui=3)**:**.Opens in new tabThe FDIC, along with the Federal Reserve and Treasury, guaranteed all deposits at SIVB and SBNY, including those exceeding the standard $250,000 FDIC insurance limit. This meant depositors, regardless of their deposit amount, would receive their full funds. 
* [**Liquidity Support**](https://www.google.com/search?cs=1&sca_esv=f24ca8b027933cc4&sxsrf=AHTn8zrqGwhiqd7gG1WlC-eHPMRu9HtZKg%3A1747882205154&q=Liquidity+Support&sa=X&ved=2ahUKEwj3mo3PiLaNAxW2DEQIHb9zCAwQxccNegQIExAB&mstk=AUtExfBy5ZqJQT9PQgVHePRpqUqU10kmIftdTxVZWqpni1UwpcRgzUNpWhy0kuoDBp8ndsf4hbNJtG6ewYg4qN0bHvdzBImZwPVx9skqotLuA4rktLckT_GYZoOujmIhcRTUuG5PK6lfva7SNfIoSeFm-NSkd05S8hyifN2A-GMRKxFomeQ&csui=3)**:**.Opens in new tabThe Fed created a new [Bank Term Funding Program (BTFP)](https://www.google.com/search?cs=1&sca_esv=f24ca8b027933cc4&sxsrf=AHTn8zrqGwhiqd7gG1WlC-eHPMRu9HtZKg%3A1747882205154&q=Bank+Term+Funding+Program+%28BTFP%29&sa=X&ved=2ahUKEwj3mo3PiLaNAxW2DEQIHb9zCAwQxccNegQIJBAB&mstk=AUtExfBy5ZqJQT9PQgVHePRpqUqU10kmIftdTxVZWqpni1UwpcRgzUNpWhy0kuoDBp8ndsf4hbNJtG6ewYg4qN0bHvdzBImZwPVx9skqotLuA4rktLckT_GYZoOujmIhcRTUuG5PK6lfva7SNfIoSeFm-NSkd05S8hyifN2A-GMRKxFomeQ&csui=3) to provide liquidity to other banks, helping them meet depositors' needs and prevent further bank runs. This program offered loans backed by collateral to eligible depository institutions. 
* [**No Taxpayer Funding:**.Opens in new tab](https://www.google.com/search?cs=1&sca_esv=f24ca8b027933cc4&sxsrf=AHTn8zrqGwhiqd7gG1WlC-eHPMRu9HtZKg%3A1747882205154&q=No+Taxpayer+Funding&sa=X&ved=2ahUKEwj3mo3PiLaNAxW2DEQIHb9zCAwQxccNegQIJhAD&mstk=AUtExfBy5ZqJQT9PQgVHePRpqUqU10kmIftdTxVZWqpni1UwpcRgzUNpWhy0kuoDBp8ndsf4hbNJtG6ewYg4qN0bHvdzBImZwPVx9skqotLuA4rktLckT_GYZoOujmIhcRTUuG5PK6lfva7SNfIoSeFm-NSkd05S8hyifN2A-GMRKxFomeQ&csui=3)The FDIC emphasized that no taxpayer money would be used to cover the losses associated with SIVB and SBNY. The FDIC's [Deposit Insurance Fund](https://www.google.com/search?cs=1&sca_esv=f24ca8b027933cc4&sxsrf=AHTn8zrqGwhiqd7gG1WlC-eHPMRu9HtZKg%3A1747882205154&q=Deposit+Insurance+Fund&sa=X&ved=2ahUKEwj3mo3PiLaNAxW2DEQIHb9zCAwQxccNegQIIBAB&mstk=AUtExfBy5ZqJQT9PQgVHePRpqUqU10kmIftdTxVZWqpni1UwpcRgzUNpWhy0kuoDBp8ndsf4hbNJtG6ewYg4qN0bHvdzBImZwPVx9skqotLuA4rktLckT_GYZoOujmIhcRTUuG5PK6lfva7SNfIoSeFm-NSkd05S8hyifN2A-GMRKxFomeQ&csui=3) (DIF), which is funded by assessments on banks, would be used to cover any losses. 

If rates uncover another rat (like SIVB and SBNY with 2023), they’ll intervene somehow (or the treasury secretary will make some adjustments with the bond auctions). There is still PTSD from 2008 in this country, so it’s unlikely that you see “let it be as it should be” happen.
Thing that’s true though is that if 5% on 10’s doesn’t do anything, you’ll see nothing of interest occur as 5% rates isn’t an emergency, what could happen due to the rates might become one, but we don’t know.

The FED straight up created magical funds to make the who SIVB and SBNY members whole. Go ahead and look it up. Ok i'll grab a quick search.
* [**Guaranteed Deposits**](https://www.google.com/search?cs=1&sca_esv=f24ca8b027933cc4&sxsrf=AHTn8zrqGwhiqd7gG1WlC-eHPMRu9HtZKg%3A1747882205154&q=Guaranteed+Deposits&sa=X&ved=2ahUKEwj3mo3PiLaNAxW2DEQIHb9zCAwQxccNegQIEBAB&mstk=AUtExfBy5ZqJQT9PQgVHePRpqUqU10kmIftdTxVZWqpni1UwpcRgzUNpWhy0kuoDBp8ndsf4hbNJtG6ewYg4qN0bHvdzBImZwPVx9skqotLuA4rktLckT_GYZoOujmIhcRTUuG5PK6lfva7SNfIoSeFm-NSkd05S8hyifN2A-GMRKxFomeQ&csui=3)**:**.Opens in new tabThe FDIC, along with the Federal Reserve and Treasury, guaranteed all deposits at SIVB and SBNY, including those exceeding the standard $250,000 FDIC insurance limit. This meant depositors, regardless of their deposit amount, would receive their full funds. 
* [**Liquidity Support**](https://www.google.com/search?cs=1&sca_esv=f24ca8b027933cc4&sxsrf=AHTn8zrqGwhiqd7gG1WlC-eHPMRu9HtZKg%3A1747882205154&q=Liquidity+Support&sa=X&ved=2ahUKEwj3mo3PiLaNAxW2DEQIHb9zCAwQxccNegQIExAB&mstk=AUtExfBy5ZqJQT9PQgVHePRpqUqU10kmIftdTxVZWqpni1UwpcRgzUNpWhy0kuoDBp8ndsf4hbNJtG6ewYg4qN0bHvdzBImZwPVx9skqotLuA4rktLckT_GYZoOujmIhcRTUuG5PK6lfva7SNfIoSeFm-NSkd05S8hyifN2A-GMRKxFomeQ&csui=3)**:**.Opens in new tabThe Fed created a new [Bank Term Funding Program (BTFP)](https://www.google.com/search?cs=1&sca_esv=f24ca8b027933cc4&sxsrf=AHTn8zrqGwhiqd7gG1WlC-eHPMRu9HtZKg%3A1747882205154&q=Bank+Term+Funding+Program+%28BTFP%29&sa=X&ved=2ahUKEwj3mo3PiLaNAxW2DEQIHb9zCAwQxccNegQIJBAB&mstk=AUtExfBy5ZqJQT9PQgVHePRpqUqU10kmIftdTxVZWqpni1UwpcRgzUNpWhy0kuoDBp8ndsf4hbNJtG6ewYg4qN0bHvdzBImZwPVx9skqotLuA4rktLckT_GYZoOujmIhcRTUuG5PK6lfva7SNfIoSeFm-NSkd05S8hyifN2A-GMRKxFomeQ&csui=3) to provide liquidity to other banks, helping them meet depositors' needs and prevent further bank runs. This program offered loans backed by collateral to eligible depository institutions. 
* [**No Taxpayer Funding:**.Opens in new tab](https://www.google.com/search?cs=1&sca_esv=f24ca8b027933cc4&sxsrf=AHTn8zrqGwhiqd7gG1WlC-eHPMRu9HtZKg%3A1747882205154&q=No+Taxpayer+Funding&sa=X&ved=2ahUKEwj3mo3PiLaNAxW2DEQIHb9zCAwQxccNegQIJhAD&mstk=AUtExfBy5ZqJQT9PQgVHePRpqUqU10kmIftdTxVZWqpni1UwpcRgzUNpWhy0kuoDBp8ndsf4hbNJtG6ewYg4qN0bHvdzBImZwPVx9skqotLuA4rktLckT_GYZoOujmIhcRTUuG5PK6lfva7SNfIoSeFm-NSkd05S8hyifN2A-GMRKxFomeQ&csui=3)The FDIC emphasized that no taxpayer money would be used to cover the losses associated with SIVB and SBNY. The FDIC's [Deposit Insurance Fund](https://www.google.com/search?cs=1&sca_esv=f24ca8b027933cc4&sxsrf=AHTn8zrqGwhiqd7gG1WlC-eHPMRu9HtZKg%3A1747882205154&q=Deposit+Insurance+Fund&sa=X&ved=2ahUKEwj3mo3PiLaNAxW2DEQIHb9zCAwQxccNegQIIBAB&mstk=AUtExfBy5ZqJQT9PQgVHePRpqUqU10kmIftdTxVZWqpni1UwpcRgzUNpWhy0kuoDBp8ndsf4hbNJtG6ewYg4qN0bHvdzBImZwPVx9skqotLuA4rktLckT_GYZoOujmIhcRTUuG5PK6lfva7SNfIoSeFm-NSkd05S8hyifN2A-GMRKxFomeQ&csui=3) (DIF), which is funded by assessments on banks, would be used to cover any losses. 

If rates uncover another rat (like SIVB and SBNY with 2023), they’ll intervene somehow (or the treasury secretary will make some adjustments with the bond auctions). There is still PTSD from 2008 in this country, so it’s unlikely that you see “let it be as it should be” happen.
Thing that’s true though is that if 5% on 10’s doesn’t do anything, you’ll see nothing of interest occur as 5% rates isn’t an emergency, what could happen due to the rates might become one, but we don’t know.