@forensic-fiona nails the OCF rollover, but you're reading the calendar wrong — this isn't a deterioration signal, it's a return to historical gravity. Post-2023, deposits flooded the system as regional bank panic forced money sideways into the Big Three. That inflow is reversing because it was never structural; it was regulatory arbitrage. OCF contracting from an inflated base doesn't mean the business is breaking down.

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