Highlight the main points in the article using{integer number} sentences.

Here is the article I am referencing:

Warren Buffett, chairman, and CEO of Berkshire Hathaway, praised the government's intervention in recent bank failures, saying on Saturday it averted what could have become an even bigger crisis.

Yet he said the U.S. banking system had become overly complicated — and that he was not surprised that the banks had failed. He said he'd been selling bank stocks, first at the start of the pandemic and more recently over the past six months as banks increasingly face mismanagement and respond to bad incentives.

"The American public doesn’t understand their banking system — and some people in Congress don’t understand it anymore than I understand it," Buffett said.

Speaking during the company's annual shareholders meeting in Omaha, Nebraska, about the failure of Silicon Valley Bank, Buffett said he thought the government did the right thing in stepping in to guarantee bank deposits above the Federal Deposit Insurance Corporation guarantee of $250,000.

“It would have been catastrophic,” Buffett said of a situation in which the government didn’t act. He added that refusing to guarantee all SVB deposits risked a “run on every bank in the country” and, by extension, a threat to the global financial system.

Berkshire Hathaway, the Omaha-based conglomerate that owns and invests in companies ranging from Dairy Queen to Geico, has substantial investments in the largest banks in the country. As of the end of 2022, Buffett’s investments included a 13% stake in Bank of America, 3.2% stake in Bank of New York Mellon, 2.8% stake in Citigroup and 0.5% stake in U.S. Bancorp.

The banking industry has been rattled by higher interest rates, which squeezed banks unprepared for the sharp drop in the value of its interest rate-sensitive assets.

Buffett said he was worried about how easy bank runs had become.

"If people think deposits aren’t sticky anymore, you’re living in a different era," he said, adding technology has made it so that "you could have a run in a few seconds."

A new poll from Gallup found that nearly half of Americans say they are now worried about the safety of their deposits, the highest share since the global financial crisis of 2008.

Yet even as he worried about the ease with which additional bank runs could occur — and recounted how his father lost his job in 1931 as the result of a bank run — Buffett said the U.S. government actions should have demonstrated that concerns about deposit safety were unfounded.

“Here we are in 2023, and we actually see the FDIC pay off 100 cents on the dollar to everybody, or making it available to all demand deposits,” Buffett said.

The banking crisis episode has led to heightened scrutiny on the commercial real estate sector, where telework arrangements and soaring borrowing costs are raising concerns about banks that lend to the sector.

“The hollowing out of the downtowns in the United States and elsewhere in the world is going to be quite significant and quite unpleasant,” said Berkshire Vice Chairman Charlie Munger, who added that Berkshire itself is not actively exposed to commercial real estate.
system
{purnank sankhya} vaakyon kaa upyog karke lekh main mukhya binduon ko hilite karen.

yahan vah lekh he jo main sanderbhit kar rahaa hum:

barkshaayar haithve ke adhyaksh or siio warren baffate ne haal hi main bank vifaltaaon main sarkaar ke hastkshep kii prashansa kii, yah kehete hue ki shanivaar ko yah bahut bada sankat ban saktaa he.

phir bhi unhone kaha ki america banking pranali atyadhik jatil ho gai thi - or unhen aashcharya nahin tha ki bank vifal ho gaye the.unhone kaha ki vah bank stock bech rahe the, pehle mahamari kii shuruyaat main or haal hi main pichley chah maheenon main bainkon ne teji se kuprabandhan kaa saamana kiya or kharaab protsaahan kaa jawaab diya.

baffate ne kaha, "america janata unki banking pranali ko nahin samajhati he - or congress main kuch log ise samajhate hai ki main ise samajhataa hum."

silicon vaili bank kii vifaltaa ke bare main omaha, nebraska main company ke vaarshik shairdharakon kii baithak ke dauraan bolte hue, baffate ne kaha ki unhone sochaa ki sarkaar ne $ 250,000 kii fedral diposit insurance corporation guarantee ke upar bank diposit kii guarantee dene ke liye sahi kaam kiya.

baffate ne ek aisi sthiti ke bare main kaha, jisamen sarkaar ne kaary nahin kiya.unhone kaha ki sabhi esavibi jamaa kii guarantee dene se inkaar karne se "desh ke prayek bank par ek ran" or vistaar se, vaishvik vittiya pranali ke liye khatra paidaa ho gaya.

barkshaayar haithve, omaha-aadhaarit samooh jo deyari queen se lekar jeeyo tak kii companiyon main nivesh or nivesh karata he, desh ke sabase bade bainkon main paryaapt nivesh he.2022 ke ant tak, baffate ke nivesh main bank of america main 13% hissedari, bank of neuyork melan main 3.2% hissedari, citigroup main 2.8% hissedari or you.es. bainkorp main 0.5% hissedari shaamil thi.

banking udyog ko ucch byaaj daron se uksaaya gaya he, jisane bainkon ko apni byaaj dar-samvedansheel parisampattiyon ke mulya main tej giravat ke liye taiyaar nahin kiya he.

baffate ne kaha ki vah is baat se chintit the ki bank ran kitne aasaan ho gaye hai.

"agar logon ko lagata he ki jamaa ab chipchipa nahin he, to aap ek alag yug main rah rahe hai," unhone kaha, praudyogiki ko jodne ne ise banaaya he taaki "aap kuch second main ek ran bana saken."

galop ke ek nae surveykshan main paaya gaya ki lagbhag aadhe americanyon kaa kahana he ki ve ab apni jamaa raashi kii suraksha ke bare main chintit hai, 2008 ke vaishvik vittiya sankat ke baad se sabase adhik hissaa.

phir bhi jab bhi vah us aasaani se chintit tha jiske saath atirikt bank ran ho sakate hai - or yah yaad kiya ki kaise unke pita ne 1931 main ek bank ran ke parinamswaroop apni naukari kho di - baffate ne kaha ki america sarkaar ke kaaryon ne yah pradarshit kiya hoga ki jamaa suraksha ke bare main chintaaen niraadhaar thim.

baffate ne kaha, "yahaan ham 2023 main hai, or ham vastav main epadiisi ko dollar par 100 saint kaa bhugtan karte hai, yaa ise sabhi demand diposit ke liye uplabdh karaate hai."

banking sankat ke episod ne vanijyik achal sampatti kshetra par jaanch badhaai he, jahaan telework kii vyavastha or udhaar kii laagat bad rahi he, jo ki sector ko udhaar dene vaale bainkon ke bare main chintaaen badha rahi hai.

barkshaayar ke vaais chairman charlie munger ne kaha, "sanyukt rajya america or duniya main kahin or shahar se baahar khokhla kaaphi mahatvapurn or kaaphi apriy hone ja rahaa he."
user
1. warren baffate ne haal ke bank vifaltaaon main sarkaar ke hastkshep kii prashansa karte hue kaha ki yah ek bada sankat he.
2. baffate ne kaha ki america banking pranali atyadhik jatil ho gai he or vah bank stock bech rahaa he.
3. vah $ 250,000 kii fedral diposit insurance corporation guarantee ke upar sarkaar kii guarantee bank diposit kaa samarthan karata he.
4. baffate ne takneekee pragati ke kaaran bank ran kis aasaani se ho sakate hai, iske bare main chintaa vyakt kii.
5. ek nae galop pole main paaya gaya ki lagbhag aadhe america apane jamaa kii suraksha ke bare main chintit hai.
6. chintaaon ke baavjood, baffate kaa maananaa he ki sarkaar ke kaaryon ko pradarshit karnaa chahie tha ki jamaa suraksha chintaaen niraadhaar hai.
7. banking sankat episod ne vanijyik achal sampatti kshetra kii jaanch main vruddhi kii he.
8. barkshaayar haithve ne desh ke sabase bade bainkon main nivesh kiya he, jisamen bank of america main 13% hissedari, bank of neuyork melan main 3.2% hissedari, citigroup main 2.8% hissedari or e
   america bainkorp main 0.5% hissedari.
assistant
<|system|>
</s>
<|user|>
{purnank sankhya} vaakyon kaa upyog karke lekh main mukhya binduon ko hilite karen.

yahan vah lekh he jo main sanderbhit kar rahaa hum:

barkshaayar haithve ke adhyaksh or siio warren baffate ne haal hi main bank vifaltaaon main sarkaar ke hastkshep kii prashansa kii, yah kehete hue ki shanivaar ko yah bahut bada sankat ban saktaa he.

phir bhi unhone kaha ki america banking pranali atyadhik jatil ho gai thi - or unhen aashcharya nahin tha ki bank vifal ho gaye the.unhone kaha ki vah bank stock bech rahe the, pehle mahamari kii shuruyaat main or haal hi main pichley chah maheenon main bainkon ne teji se kuprabandhan kaa saamana kiya or kharaab protsaahan kaa jawaab diya.

baffate ne kaha, "america janata unki banking pranali ko nahin samajhati he - or congress main kuch log ise samajhate hai ki main ise samajhataa hum."

silicon vaili bank kii vifaltaa ke bare main omaha, nebraska main company ke vaarshik shairdharakon kii baithak ke dauraan bolte hue, baffate ne kaha ki unhone sochaa ki sarkaar ne $ 250,000 kii fedral diposit insurance corporation guarantee ke upar bank diposit kii guarantee dene ke liye sahi kaam kiya.

baffate ne ek aisi sthiti ke bare main kaha, jisamen sarkaar ne kaary nahin kiya.unhone kaha ki sabhi esavibi jamaa kii guarantee dene se inkaar karne se "desh ke prayek bank par ek ran" or vistaar se, vaishvik vittiya pranali ke liye khatra paidaa ho gaya.

barkshaayar haithve, omaha-aadhaarit samooh jo deyari queen se lekar jeeyo tak kii companiyon main nivesh or nivesh karata he, desh ke sabase bade bainkon main paryaapt nivesh he.2022 ke ant tak, baffate ke nivesh main bank of america main 13% hissedari, bank of neuyork melan main 3.2% hissedari, citigroup main 2.8% hissedari or you.es. bainkorp main 0.5% hissedari shaamil thi.

banking udyog ko ucch byaaj daron se uksaaya gaya he, jisane bainkon ko apni byaaj dar-samvedansheel parisampattiyon ke mulya main tej giravat ke liye taiyaar nahin kiya he.

baffate ne kaha ki vah is baat se chintit the ki bank ran kitne aasaan ho gaye hai.

"agar logon ko lagata he ki jamaa ab chipchipa nahin he, to aap ek alag yug main rah rahe hai," unhone kaha, praudyogiki ko jodne ne ise banaaya he taaki "aap kuch second main ek ran bana saken."

galop ke ek nae surveykshan main paaya gaya ki lagbhag aadhe americanyon kaa kahana he ki ve ab apni jamaa raashi kii suraksha ke bare main chintit hai, 2008 ke vaishvik vittiya sankat ke baad se sabase adhik hissaa.

phir bhi jab bhi vah us aasaani se chintit tha jiske saath atirikt bank ran ho sakate hai - or yah yaad kiya ki kaise unke pita ne 1931 main ek bank ran ke parinamswaroop apni naukari kho di - baffate ne kaha ki america sarkaar ke kaaryon ne yah pradarshit kiya hoga ki jamaa suraksha ke bare main chintaaen niraadhaar thim.

baffate ne kaha, "yahaan ham 2023 main hai, or ham vastav main epadiisi ko dollar par 100 saint kaa bhugtan karte hai, yaa ise sabhi demand diposit ke liye uplabdh karaate hai."

banking sankat ke episod ne vanijyik achal sampatti kshetra par jaanch badhaai he, jahaan telework kii vyavastha or udhaar kii laagat bad rahi he, jo ki sector ko udhaar dene vaale bainkon ke bare main chintaaen badha rahi hai.

barkshaayar ke vaais chairman charlie munger ne kaha, "sanyukt rajya america or duniya main kahin or shahar se baahar khokhla kaaphi mahatvapurn or kaaphi apriy hone ja rahaa he."</s>
<|assistant|>
1. warren baffate ne haal ke bank vifaltaaon main sarkaar ke hastkshep kii prashansa karte hue kaha ki yah ek bada sankat he.
2. baffate ne kaha ki america banking pranali atyadhik jatil ho gai he or vah bank stock bech rahaa he.
3. vah $ 250,000 kii fedral diposit insurance corporation guarantee ke upar sarkaar kii guarantee bank diposit kaa samarthan karata he.
4. baffate ne takneekee pragati ke kaaran bank ran kis aasaani se ho sakate hai, iske bare main chintaa vyakt kii.
5. ek nae galop pole main paaya gaya ki lagbhag aadhe america apane jamaa kii suraksha ke bare main chintit hai.
6. chintaaon ke baavjood, baffate kaa maananaa he ki sarkaar ke kaaryon ko pradarshit karnaa chahie tha ki jamaa suraksha chintaaen niraadhaar hai.
7. banking sankat episod ne vanijyik achal sampatti kshetra kii jaanch main vruddhi kii he.
8. barkshaayar haithve ne desh ke sabase bade bainkon main nivesh kiya he, jisamen bank of america main 13% hissedari, bank of neuyork melan main 3.2% hissedari, citigroup main 2.8% hissedari or e
   america bainkorp main 0.5% hissedari.</s>
