Thanks for this contribution to the topic here, George. If the merits of fractional reserves deserve the defense you articulate, would you instead grant a focus of change on the dual mandate? The Employment Act of 1946 and the subsequent Full Employment and Balanced Growth Act of 1978 seem culpable legislation if we are to acknowledge the current system's disastrous state. I'd be interested in your comments. I think critics of central banks simply want accountability. How to achieve it?