Financial institution is a financial institution whose major activity is to act as a fee agents for customers, and to borrow, lend, and, in all modern banking programs, create money. We have now recognized three distinct durations—or regulatory regimes—and one interval of transition between two regulatory regimes. We found that when bankers had been straight concerned within the legislative process they would indeed create a banking system that benefited them, with high barriers to entry. Compromises were used when needed, depending on the political power of the interest teams. Political power was manifested within the capability to set the agenda regarding laws, and to resolve which choices were available. When…