In Hemingway's novel "The Sun Rises As Normal", when asked about the reason for bankruptcy, drunk and penniless veteran Mike Campbell replied: "Two ways, 'gradual' and 'sudden'. Most of the collapses are not momentary accidents, but the continuous accumulation of long-term and low-intensity problems, which are ultimately completely detonated by a severe event. Don't ignore the "gradual" because "sudden" is often their consequences.