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<p>[QUOTE=&quot;JBK, post: 186022, member: 1101&quot;]I appreciated the info as well, but in all honesty did not have the patience at the moment to read it all.&nbsp; I do, however, think there is a distinction between &quot;The Federal Reserve&quot; and our 12 local Federal Reserve banks. The banks themselves with tellers and bankbooks are private institutions as far as I know.&nbsp; &quot;The Fed&quot; as they call it is the quasi-federal agency.[/QUOTE]</p><p><br /></p>

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