First Republic on Monday became the second largest bank to fail in U.S. history. Since March, we've seen three of the four biggest U.S. bank failures ever. So what’s wrong with our banking system? Plus, a warning on the debt ceiling. And, why allergy seasons are getting worse, and how to cope. Guests: Axios' Felix Salmon and Arielle Dreher.Credits: Axios Today is produced by Niala Boodhoo, Alexandra Botti, Robin Linn, Fonda Mwangi and Ben O'Brien. Music is composed by Evan Viola. You can reach us at podcasts@axios.com. You can text questions, comments and story ideas to Niala as a text or voice memo to 202-918-4893.Go Deeper: The lingering banking problem JPMorgan Chase CEO: We're getting a "very clean bank" U.S. may hit debt ceiling as early as June 1, Janet Yellen warns