Anyway when banks are in the 10:1 expansion, for $1 dollar they get $10 i.e. for each dollar they pay 10 cents and lend out 9 dollars as loans. When the loans matured they get 9 dollars for investing 90 cents. If the loans are not paid back with interest the banks can bankrupt the company or person and take away their assets. So their risk of losing any money is non-existent as they check the background and credit history of the person or company they lend money to. This is a lot better than risking money in stocks as his lady is trying to convey with this "secret" algorithm and equally "secret" Difus. Note: the one dollar is the "reserve" they must hold.
Also, the Wall Banks have a better situation with $1 they get $17 or roughly pay 6 cents for each dollar. They can lend out $16 dollars for those playing the stock market. Again they are required to hold $1 as "reserve". The 2007 crash was created when they expanded to 33:1 ratio twice the previous 17:1 Net Capital Rule.
