Rule #1: NEVER Borrow Short and Lend Long

 The idiot bankers (and their idiot regulators) forget the #1 rule of banking:  NEVER borrow short and lend long.  They borrow short in the 'hot-money' market, whether that's in negotiable CD's or interest-bearing checking/savings, and lend long in CRE or home-mortgage commitments.

Usually, the long-lends have a low interest rate, and the borrow-shorts have a higher-than-comfortable rate, and when rates rise--as they always do--the idiot bankers (and their idiot regulators) are on the griddle.

But not to worry!!  The bankers and regulators don't pay for that.  YOU do, by paying extra premiums to the FDIC.  And if you think that you are NOT paying those premiums, you, too, can be an idiot banker!!