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Major US bank CEOs were testifying before Congress this week and are stating their biggest concerns. They are concerned with the student loan crisis, as well as the leveraged-loan market. The leveraged-loan market is now larger than the $1.2 trillion junk bond market and a lot of it takes place in the shadow banking system. Regardless if this is the first domino to drop, it will be a major force to deal with when it does fall.