over time if you go from across just like the great depression when you get in you know the jimmy stewart soft bank attack side which my father was that classic talk of banker oh yeah oh yeah oh yeah and then he wasn't quite as good looking but he was nonetheless you know the jimmy stewart top and now of course you get would you like you know a credit card with banking words. and so on and the best way they can get us to take on more debt than we would take our income is if we've got to believe that there's going to be raj singh as a process and we can make a leave it go and that's a process ok so that's unique to those economies also one of the things the banking system does to increase credit i mean fractional reserve banking is how this really all all works that some misleading is that the man ok so what do you think about your friends if i am asked which wrote this paper that essentially isn't an attack on fractional reserve banking they have one hundred percent it's in the reserve fund a pension attack on private money creation ok this is our guide to what this report and i will be the reason