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I read this book about 15 years ago. I have no background in banking or business classes, but this book (if you are not intimidated by it's size) was easy to read, written for the laymen (or a regular housewife as I was at the time) and took me step by step to an indepth understanding of the federal banking system and how it works (and how it's not Federal at all). I'm educated, have a BS in comp sci and engineering, however, banking has always been a mystery. Not anymore.