Declines in Loan Values Are Widespread Among Banks
Nearly every publicly traded bank in the country is sitting on loans that have declined in value since they were made. The culprit: rising interest rates. 
Below is an instruction that describes a task. Write a response that appropriately completes the request.

### Instruction: Declines in Loan Values Are Widespread Among Banks

### Response: Nearly every publicly traded bank in the country is sitting on loans that have declined in value since they were made. The culprit: rising interest rates. 