Zhongrong Zhongbang Is Just the Tip of the Iceberg! A Whole Row of Financial Corpses Cross‑Examined, Extracting a Four‑Factor Death Model: City‑Investment Defaults Lose 70%, Nominal‑Equity Real‑Debt Loses 95%, Jinzhou Bank 150 Billion Valued at 45 Billion, Drawer Agreement Dies in the Light, How Much of Your Money Can You Recover?