Contained major U.S. bank funding-cost and duration-pressure guidance stress

Assume that by November 28, at least one major U.S. bank issues a new operational or guidance update showing that higher funding costs, deposit repricing, or securities-portfolio duration pressure has materially constrained its net-interest-income outlook, capital return, lending capacity, or balance-sheet flexibility. Do not assume the bank realizes existing paper losses or suffers a deposit run. Explore the conditional transmission to bank funding spreads, credit availability, rate-sensitive borrowers, and financial-sector valuation; keep magnitude tied to actual disclosures rather than an invented threshold.