The collapse of two major US banks has rocked the financial markets and impacted the Federal Reserve's monetary policies. This has led to a mixed reaction but suggests a change in interest rates is imminent. Concerns around vulnerabilities in the US banking system and the potential for a chain reaction of collapsed loans has highlighted a need for stronger financial management policies. Meanwhile, the outlook for the gold market remains positive, with retail investors expecting the price of gold to rise. Technical analysis supports a steady increase, but caution is advised with current price levels.