The April 21 downgrading of the credit ratings of 11 regional banks by Moody’s raised new doubts about their stability, while their leaders said the turmoil spurred by last month’s collapse of Silicon Valley Bank has passed.

Last week, I hosted a community discussion on identity theft. Our expert that evening was the Director of the Identity Theft Council. The meeting was filled with shock, drama and some hope at the end.

The city’s fight over pension reform and dwindling reserves resulted in San Jose’s credit being downgraded by Moody’s Investment Service in New York. The impact, according to City Manager Debra Figone at Tuesday’s City Council meeting, will be a cost of $350,000 to the city.