shut down by regulators on Friday morning, a stunning end to a bank considered a key player for the tech industry for decades. Specializing in a sector as a bank has its benefits — nearly half of all US startups banked with SVB — but it also comes with risks: Your clients' pain quickly becomes yours.  A note early Friday from Morgan Stanley stated the bank believed SVB had "more than enough liquidity to fund deposit outflows related to venture capital client cash burn," pegging the firm's available liquidity at roughly $180 billion, compared with on-balance-sheet deposits at $165 billion