I wish I understood everything I know about these two articles. Parts of it I understand (or at least think I do) and other parts are fuzzy. I think I understand enough of it that it does not sound good should we have another financial crisis. Those with banking backgrounds, I would sure like to hear any input you might have. It appears to me the second article conflicts with the first, but I doubt it does since there is a link in the second article to the first as a reference. They are long, they are involved. But anyone that borrows significant money, has a significant size farming business or is simply interested in how our money system works should at least skim through both articles. Even without in depth knowledge of banking and money creation, there are bits and pieces of info worth picking up that might be useful going forward as it pertains to managing your business. As always, my opinion only. John | 
Some banking help please
