What lead us to one more huge bank failure? The said bank had taken a lot of deposits fast and invested in low yield instruments. The managers decided to give out a lot of mortgages at low rates, sometimes 2%-3% below the market. The regulators were caught sleeping on the wheel, doing nothing for more than a year after problems were first reported. Very basic stuff, but still nobody did anything to fix the problem. We may sound like a broken radio, but at Artemis Assets it is our duty to remind you. This cannot happen in Real Estate, where you are the owner and you safekeep your own property.