| one that sort of underpins a lot of | 5.281 | Jump to 12.719 |  |  | 
              
                
                  | 2022 there's going to be a new reference | 3.76 | Jump to 25.599 |  |  | 
              
                
                  | rate on the street but first let's kind | 2.8 | Jump to 27.84 |  |  | 
              
                
                  | a one another now financial contracts | 3.92 | Jump to 39.12 |  |  | 
              
                
                  | range from overnight to uh as long as 12 | 4.879 | Jump to 47.52 |  |  | 
              
                
                  | out of the financial crisis around 2012 | 5.039 | Jump to 55.84 |  |  | 
              
                
                  | in 2023 but the phase out is going to | 5.201 | Jump to 72.479 |  |  | 
              
                
                  | begin with some contracts this year one | 4.56 | Jump to 75.28 |  |  | 
              
                
                  | week and two month libor will phase out | 4.4 | Jump to 77.68 |  |  | 
              
                
                  | 12 months other duration contracts will | 6.16 | Jump to 82.08 |  |  | 
              
                
                  | phase in by the end of june 2023 now the | 5.599 | Jump to 84.56 | 
                      
                        
                      
                        DATE
                      
                      
                        the end of june 2023
                      
                     |  | 
              
                
                  | happen in two days well what's the | 4.72 | Jump to 106.0 |  |  | 
              
                
                  | late october around 80 or more of | 5.36 | Jump to 112.399 |  |  | 
              
                
                  | increased over the latter parts of 2021 | 4.88 | Jump to 134.48 |  |  | 
              
                
                  | and one challenge is that regulators | 3.04 | Jump to 137.36 |  |  | 
              
                
                  | so one way that they tried to do that | 3.12 | Jump to 150.16 |  |  | 
              
                
                  | 2001 song from stanconia trying to get | 4.24 | Jump to 166.4 |  |  | 
              
                
                  | i'm gonna go bang out 100 push-ups but | 3.84 | Jump to 181.92 |  |  | 
              
                
                  | requirement but again 2023 we have until | 4.64 | Jump to 231.76 |  |  | 
              
                
                  | to the end of june 2023 | 3.92 | Jump to 239.84 | 
                      
                        
                      
                        DATE
                      
                      
                        the end of june 2023
                      
                     |  |