ArtVandalay

I get it. And it's bull#### that responsible institutions have to pick up the tab time and time again.

You don't know because the cause has never been disclosed and Hamlin declined to answer.

No that's not what I'm saying at all. What i said originally was the fact that the FDIC is not tax payer funded, it is funded through assessments on member institutions. The poster in response claimed it was the same thing since taxpayers are the customers the generate bank profits. What i am illustrating is a way that not all taxpayers are indirectly paying the FDIC and there is really a way you could chose not to participate in the FDIC system. If the poster is that concerned about his banking relationship funding FDIC he can easily bank at a Credit Union part of NCUA instead.

I understand eventually ***** flows downhill, but if you banked at a credit union that is NCUA rather than FDIC, then actually you wouldn't be paying anything to FDIC. Boom, checkmate.

One major issue i take with this is the classification of the 2020 deposit increase as a tech boom. That's nonsense. It's the pandemic driven deposit surge that happened throughout the entire banking industry in which there was an influx over $4 trillion of deposits banking industry, by far the greatest growth the industry as seen. The stickiness of the deposits was a hot button industry issue for the following years and regulators wanted to see your assessment of surge deposits and your deposit studies and volatility assessments in relation to them. The remainder of the following items are a good synopsis but make no mistake, this was NOT caused by fed rate increases and rising interest rates, this was directly the result of poor interest rate risk management and horrendous liquidity risk management and liquidity strategy. The concentration risk assumed in their deposit portfolio is outrageous, the amount of volatility they carried mismatched with long term assets was wild. Entirely mismanaged and leadership either did not have appropriate oversight or did not have the qualifications for effective oversight. Their board either didn't receive appropriate risk reporting or didn't understand what they were looking at. People pointing at DEI are not idiots, they have a fair point because the company didn't have a Chief Risk Officer for just about all of last year, yet made heavy investments in DEI and the President was more focused in that area and board members had questionable qualifications/training. It's not saying DEI caused this but rather if the bank took their operational risk and financial risk functions as serious as they did their DEI this wouldn't have happened. It's more or less a criticism that company leadership was not appropriately focused which is a fair criticism IMO given the insane concentration risk in their deposit portfolio and grave mistakes in liquidity management. Its more or less a reasoning for why the lapses occurred Personally, i don't point the finger there but i understand it.

The FDIC is funded by the assessments charged to all member institutions, it is not funded by taxpayers.

All the mediocre RB* with the mediocre OL. Then wonder why the run game is mediocre.

You two are speculating. Unless there is some new evidence I'm not aware of, they never released the cause for his incident. In fact, when asked directly in his interview with Strahan he declined to answer. There's zero way for anyone to know if he is or isn't a risk moving forward not knowing the cause of his condition.

I think everyone is rooting for him to be good, but to this point in his career he has not been good. He was a backup force to play we gave low/moderate deal to, from what i see he's got a cap hit of $3.6 MM this year (depth money not starter) then they can cut him next year post-June 1 for only 1.6 MM dead money. It's essentially a 1 year deal for depth/prove it, then if he performs well they can hang on to him. Unless his play changes substantially and he "proves it", in no way is this an improvement to our offensive line and I think that's the issue people take. We aren't trying to tread water with our OL, we NEED to IMPROVE it. I understand frustration with the signing but after seeing the minimal cap hit this year this deal screams depth/backup especially considering his flexibility. Considering the structure of the contract looks like he's not the plan at OG, and we are going to sign another or draft someone. McGovern will play any of the 5 line positions once an injury occurs, which is always does on OL... if that's the plan i back the signing.

Ed oliver for Jeudy

Dude is so average it hurts. Not worth the money. If he left you would never hear about him again. People need to lose the drought mindset, it's sad. You don't need to cling to every mediocre player.

Keep sticking your head in the sand, John. Enjoy participation trophies and compete incompetence in the playoffs. Texans 2nd half turtle shell, zero gameplan for Hill/Kelce after going up 9-0 to start, 13 seconds absoluteky inexcusible... complete no show vs Dolphins and Bengals this year... we almost lost to Skylar Thompson... Team has gone backwards each of the last 2 years and that's irrefutable. Hey, have you seen the Bruins this year? Can't believe they fired their highly successful coach this past offseason week who always got them to the playoffs with 100 point seasons... what did they have to gain?

It wasn't a play, it was my Uncles.

Last year the Special Teams Coordinator was the scapegoat. This year it was the Defensive Coordinator. Who will be McDermott's scapegoat next year? On to Offensive Coordinator? He already did that previously when he fired Dennison, can always go back there again and fire Dorsey I guess... ... walls are closing in ...

Here's the question... will Josh Allen get an offensive teammate drafted in the 1st round for the 1st time in his career???

No it's not, at all. He could have been fired after 13 seconds and we could have promoted the 2022 Coach of The Year... this year the Bills were a no show for two post season games again, firable offense. The ONLY reason McD has a job is because the GM is in his pocket and the Hamlin situation.

100% can't agree any more. This was pretty much proven true this year with Dabol winning Coach of The Year and seeing the Bills utterly colapse in the post season vs Miami and Cinci both at home.

Absolutely the goal is to win a Super Bowl and he's shown to be a liability each and every post season. He's lucky he has a job now. I'll never understand this loser mentality that the team used to be bad (cheap owner no QB), so now we are good we can't fire him. Goal is to win a Super Bowl, not be relevant and be lovable losers on primetime TV.

Good! This officially puts McDermott on the hot seat, it's his defense and they are making him change DC, he's officially been given a warning. Kim will need to eventually step in because Beane won't fire McD.

The most difficult part of the draft for these two is selecting players that haven't played for the Panthers yet.

How about the teams use that influence they use for stadium funds on getting the tax rates lowered for all of us? Problem solved.

Lmao "the myth" over focusing on defense... the only first round pick we have used on an offensive player is Josh Allen himself. He's never been given a first round pick to play with on offense... myth??? 3 of the 2/3 rounders on offense were at the RB position. Their other selections at offensive players have had crap results as well. Other than Josh Allen himself the last time we drafted an offensive player in the first round was 9 years ago when Sammy Watkins was drafted #4 overall before he was traded after 3 years. That's not a myth, my friend, that's called the truth. Also, sheer count of FAs tells you nothing.

Guarantee he'll block you from getting to the fridge... but if your do get there don't try throwing him a beer.

This is horrendous revisionist history. DK was literally the talk of the draft/ combine that year, all you hand to do is Google DK Metcalf combine to get all the articles drooling over him. 6'3" 228 jacked monster at WR with 4.33 speed, 27 reps. 40+ vert is absolute insanity and one of the best showings ever for a WR. He absolutely tanked the shuttle and 3 come which he got laughed at for with people saying he doesn't know how to turn. They reason he fell so far in the draft was a bad neck injury his final year in college... the dude fractured his neck and he was actually told he would never play football again, a second opinion told him he could have a surgery that would allow him to play again. He went straight into the draft didn't play another college game.

My middle school gym teacher told me to never trust a man with two first names.