Скачать или смотреть [audio] The FDIC hooked banks to a liquidity IV, while Musk cut his staff.

[audio] The FDIC hooked banks to a liquidity IV, while Musk cut his staff.

1) FDIC & Fed Ease Capital Rules: A “Stealth QE” Liquidity Injection with Hidden Long-Term Risks

To address the early-November repo spike and collapsing Treasury demand, regulators removed Treasuries and reserves from the SLR denominator. This allows big banks to buy virtually unlimited Treasuries without raising capital, effectively creating a backdoor form of quantitative easing. Markets reacted immediately—bank stocks surged and repo rates normalized—fueling expectations for a strong year-end rally.
But this maneuver introduces long-term danger: a potential doom loop where banks overloaded with Treasuries face solvency risk if yields spike again. Excess liquidity may also keep unproductive “zombie firms” alive, dragging down overall economic efficiency.

Investor implications:

Short-term: bullish for banks, tech stocks, and crypto.

Medium-term: U.S. Treasuries—especially mid-duration—become more attractive given forced bank demand.

Long-term: maintain hedges such as gold to prepare for systemic instability.

2) Elon Musk’s X: The Experiment of a “Humanless Company” Powered by AI Agents

Musk has reduced X’s workforce by 90%, replacing moderation, safety, and operations with automated systems. In 2025, the shift accelerated: xAI fired 500 data labelers, claiming Grok 4 now outperforms human annotators in generic classification tasks. Grok 4.1 has evolved into an AI agent, autonomously performing tasks like ad copywriting and ad-targeting previously handled by marketing teams.
This radical automation has pushed X toward its first year of revenue growth since Musk’s acquisition. Musk now argues, through the proposed government efficiency unit (DOGE), that “over 75% of federal workers can be replaced by AI.”

Investor implications:

The key metric is Revenue per Employee: hyper-efficient, AI-leveraged companies will dominate.

Enterprise AI agent providers—Salesforce, ServiceNow, Palantir—are positioned for secular growth.

Regulatory tail risks remain, especially in misinformation, hate speech, and deepfake control.

If you feel like it, tap subscribe, drop a like, maybe ring that little bell.
Honestly, thanks so much — your support really lifts me up.
I’ll pour my heart into the next one, nice and easy.
Come back anytime you feel like slowing down a bit.
We’ll keep going, side by side, one calm step at a time.