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    <name><![CDATA[Melissa]]></name>
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    <body><![CDATA[A dry read...but interesting for money &amp; banking or economics nerds. Fractional-reserve banking does appear inherently insolvent. However, it has pretty much worked for the past 70 years. The author, from a radically conservative school of economics, has some great points for further thought, particularly the Fed as the primary inflation-creator in our economy, but his suggestion that we return to the gold standard is unrealistic and extreme.]]></body>
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