Howdy team. Senior reporter Phil Rosen here. 

Everyday now we've been talking about Silicon Valley Bank — SVB — and I've had to catch myself several times from saying SBF — Sam Bankman-Fried — the guy behind the other big financial collapse in recent months

For today (surprise, surprise) there's more to break down about SVB

Specifically, how this week's turmoil across the banking system could end up swaying how much you pay on credit cards, loans, and car payments.