For the first time in 15 years, headlines scream of BANK FAILURES. First, it was Silicon Valley Bank, then it was Signature Bank — and other banks have been merged. We are told, “Don’t worry. Everything is fine.” But it doesn’t feel fine. Bear Stearns was the first in the financial crisis of 2008, and Silicon Valley Bank was the first in 2023. We don’t know just how far that aspect of the analogy will carry out this year. Bear Stearns stands as an absolute warning that the worst may be yet to come. Kevin Freeman takes a deep dive into the causes of the recent bank failures and explains why they are happening. Want to end bank runs, runaway inflation, and an overreaching government? Then you will want to stay tuned for a Texas solution and some specific actions you can take to help make it happen.