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Karpathy Skills: Elevate Your Claude Code Workflow

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What are banks for?

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A Thought-Provoking Look at Banking The following excerpt, originally published in Punch magazine on April 3, 1957, has circulated widely over the years. It offers a satirical yet insightful look at the mechanics of modern banking—particularly what is often referred to as fractional-reserve banking. This dialogue is also featured in The Creature from Jekyll Island by G. Edward Griffin, a book many have found thought-provoking when exploring the history and structure of the banking system. A Conversation About Banks Q: What are banks for? A: To make money. Q: For the customers? A: For the banks. Q: Why doesn’t bank advertising mention this? A: It would not be in good taste. Q: When banks list large “reserves,” is that money they’ve made? A: Yes, in a sense. Q: And what about their “assets”? A: That is money they use to make more money. Q: Do they keep it in a vault? A: No, they lend it out. Q: Then they don’t actually have it? A: Not in that form, no. ...
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On my way home today...

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On my way home today from work the view from my car window was a sight to behold.  Moving my hand to my trusty iPhone, invoking the Camera+ app I become very fond of, I took this picture while going down I-215.   Later I dropped by the Macey's grocery store and noticed another beautiful, as well as patriotic site of a giant American flag waving the wind.  I have become impressed with what the iPhone can produce.
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