We've been trying for a couple days to get to the bottom of why credit rating agency Moody's has put Zions Bank on a watch list with several other regional banks... a potential to downgrade its credit rating and make it so it would have to borrow money at a higher rate. Harris Simmons, Chairman and CEO of Zions Bancorporation, joins the show to discuss this.

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Billions of dollars were taken out of Silicon Valley Bank last week — all stemmed by what was likely irrational fear. What’s behind this irrational fear when it comes to finances? Shane Stewart, Certified Financial Planner with DMBA, joins the show to discuss.

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Instead of watching the Oscars… we were watching the potential collapse of banking. But how did this go down? How did a no-name bank nearly end it all? The Wall Street Journal had an incredible play-by-play of what happened… Dave and Debbie use The Journal Podcast to help tell the story.

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This was a colossal failure in asset liability risk management. However, according to CNBC, “a series of reports revealed that key SVB officials showed a pattern of risky and questionable decision making that may have contributed to the bank’s instability and collapse and the ripple effects being felt throughout the economy.” Democratic lawmakers in a letter to DOJ and SEC heads are calling for an investigation. Former U.S. Attorney for the District of Utah John Huber joins the show to explain. 

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Battered shares of Credit Suisse lost more than one-quarter of their value on Wednesday, hitting a record low after its biggest shareholder — the Saudi National Bank — told news outlets that it would not inject more money into the Swiss bank. As we felt things had eased yesterday after the bailout of the two collapsed banks here... it froze trading on credit Sussie stock… leaving the Dow in an anxious spot. Dave and Debbie discuss.

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- How are mortgage rates impacted by the banking crash? 

- What role does social media play in the economy? 

- Is President Biden’s response to the collapse of banks a bailout?

- How much cash should you have on hand?

- What’s next for the Smith’s Ballpark community after the Bees leave? 

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How is the nation responding to the bank collapse? President Biden made it clear that those who invested in Silicon Valley Bank and Signature Bank will NOT be protected. NewsNation’s DC Correspondent Tom Dempsey joins the show to give the latest and discuss what this means for the future of banking in America.

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Do you ever see yourself digging through your wallet or bag for your license at the airport security check? Here's a solution: The Department of Public Safety has created a new program that allows us to download our license onto our phone through an app so that it's always available as long as you have your phone with you. Hillary Koellner, Director of Communications and Public Affairs for the Department of Public Safety, walks us through how the app works and where we currently can and cannot use it.

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The big questions of the day are: Is this a bailout? And should the government bail out businesses? Dave and Debbie discuss with Boyd Matheson, Host of Inside Sources, and take listener calls.

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The Salt Lake Bees baseball team is an important part of the Ballpark community in Salt Lake City... but what happens after the team leaves town to head over to South Jordan in 2025? Residents of the Ballpark neighborhood met with Mayor Mendenhall and other community leaders yesterday to talk about the future of the community. Ballpark Community Chair Amy Hawkins joins the show to share what was discussed at the meeting.

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